I pay a $10 co-pay when I see the doctor, but other than that I pay nothing, my employer pays.

$42 a month for the entire family no copay

What about decuctibles?

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The universe grows smaller every day and the threat of aggression by any group anywhere can no longer be tolerated. There must be security for all or no one is secure... - Klaatu

I pay $40 a month for health/dental/vision for my wife and I.
My health is a PPO plan with a $250 deductable per person. $15 Dr. Office visit copay. $50 ER Visit Copay, & $100 Inpatient Service Copay.
I work for Anthem Blue Cross and Blue Shield so I get a pretty darn good deal between my health, dental and vision for $40 a month for two people.

I went to college to be one in UK & Ireland(hated it, in software). They are black ones as well.

Health Insurance has less and less to do with actuaries on the ground. It is more profit and loss than anything else. Most companies copy each other in my experience... Acturaries did a bit of weighting but we generally where told the shut up and take the cheque because company y is selling at X we are selling at X. If X brings a huge profit cool! 'Just ye make sure the books look right...'

I do not work in the helath care side, I am on the P&C side and we in fact do employ actuaries and they in fact do earn a boat load of money. To my knowledge the health care industry does as well, unless you have some evidence to the contrary.

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The universe grows smaller every day and the threat of aggression by any group anywhere can no longer be tolerated. There must be security for all or no one is secure... - Klaatu

No doubt about it, from company to company you'll see some wild swings. Of course States that have guaranteed issue is terrible for ones premiums yet as a Health Agent there is no better kind of State to market individual plans.

I specialize in Ind. Health and LTC and offer up DI for those I have on the books. It pays quite nicely and really don't want things to change too much! The HSA's are growing and Walmart's announcement to offer them up to their employees is by some a sign of the future of group coverage. Then you have those HRA's that are kicking in, hell I work as a Captive Agent for a while and they had a HRA really thought it sucked compared to my wifes State Plan as an Employee with Assurant. She works at a State University Hospital, so we don't even have a ded. if we stay within the UT Hospital system which is the best around here.

No doubt in the 50-60's Companies and Insurance Carriers played a mean trick on the average american worker, that was Major Medical and things have gotten really bad ever since. Its so bad now I really don't see a way of turning around the way we pay for our medical care.

Underwriters and BeanCounters at Insurance Companies. They are a strange lot of people!

I don't sell a lot of available carriers as some other agents/brokers try to tell me I must! Yet I sell more J/H LTC then most that walk in touting every carrier under the sun. Its not a matter of products but knowing ones product and knowing the underwriters! Take MM and their DI, which is a good product but I don't know the underwriters, so I tried but to no avail I was getting to many rejections. So I call up the Dog and I know several underwriters their and can usually get a case approved.

Two of the most despised departments of any insurance company, Underwriting and Compliance! They both kill you in the field.

For my wife: $ 500/month ($2,500 dedectuble)

For Me $ 180/month

For medications covered by insurance: ~$4,000/year. Courtesy of Medicare Plan D.

Al

Every year I seem to receive a notice that my health insurance premiums are going up. While this doesn't surprise me, the

amount that it increases does shock me. Upon my next renewal, my quarterly payment will go up about $200. I am now paying

more than twice what I originally paid when I first bought this policy about seven years ago, and I've even cut back on

benefits significantly over the years. In seven years time, I'm paying more than double and receiving less coverage.
I checked some quotes at Onseshopinsurance and was able to check on several

premiums I can afford.

Hope this helps.