Ask Lemmy

You have to pay for health insurance? When I heard US residents had to get insurance through their work I assumed employers would actually provide the insurance, not just give you the chance to pay for it yourself... We have free healthcare here and my employer still for some reason provides us with free health and dental insurance.

You guys need a revolution. You're getting charged more because that's what you as a country allow them to do.

Generally speaking, health insurance through employment are priced at 3 levels of service:

1. Self
2. Self plus one
3. Entire household

Generally speaking, each additional person is cheaper than the last additional person. So option 3 is almost always the cheapest per person, with option 2 being pretty cheap per person, and option 1 being the most expensive per person.

That fact is obscured by the fact that generally speaking, employers only give a diminishing subsidy so that they're covering less and less as you add more people to the plan.

So if option 1 is $250, and option 2 is $400, and option 3 is $500, maybe the employer will contribute $200 for option 1, $250 for option 2, and $300 for option 3 so that your portion of the premium is $50, $150, and $200.

Also the reason why insurance is cheaper per person when a bunch of people bundle together is because there's less risk of each covered person being really sick, and more likely that it's just one person in the family who needs a bunch of treatment, so the higher out of pocket max tends to make the per-person cost cheaper for the insurance company, and therefore for the person paying premiums.

Children don't have nearly as much medical expenses as adults

It's to encourage people to have children. The good Christian way.

Because we're running the country like a business now. Which means the shareholders matter more than the people. Plus, we're doing some layoffs right now...

Premium, dude!

Thats incredibly cheap for a whole family (if this is medical) just FYI. I know it doesn't feel like it but I used to work in insurance and thats about what you would end up paying. Except most policies are around 100$ more for family at the very least.

Interesting too that adding a spouse is 2x your own insurance.

Take the "entire famlly" rate and subtract the "you+children" rate. $56.27 for just the spouse.

Those kids are future ~~wage slaves~~ employees!

Thats awesome! Mine is 900 a paycheck. So we are on Medicade. Which is about to go up 1000$ because America. I'd say it would be cheaper if i died, but, without my income my family is homeless. They wonder why Luigi did what he did.

I pay $370 a month if I were to add my family it goes to about $800

!askusa@discuss.online

It's really just the first additional outside of the primary. My employer has a self+children option (in case the spouse has their own plan) that's around the same as a self+spouse.

You just have a shitty plan that wants you to get on your wife's insurance instead.