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The average family health care plan has a monthly premium of about $366, with annual premiums ranging from $3,400 to $4,650. The average deductible a family pays is $2,610.
Source: http://www.marketwire.com/press-release/Ehealth-Inc-NASDAQ-EHTH-919521.html
by Twisted Taco on February 5th, 2010
More than the average family can afford
by quentinodonn35 on May 10th, 2011
That is actually hard to answer.. 'Coz there are a lot of factors to consider for the premiums and it depends on what types of plan you have and in what state you're in.
If you have a prepaid plan like an HMO then your premiums are a bit higher compared to that of a high deductible health plan.
by halebobb.com on March 24th, 2010
Average? We are not a collection of averages.
I choose not to have insurance.
I have a chronic illness but pay for it out of my own pocket. I make less than $40,000 a year, well under Obama's idea of what is "poor".
I am married and 53 years old.
I am a free American and am not a person required to subsidize an insurance company.
by my2cents--Vote for Paul on February 10th, 2010
We paid about $350/month with a deductible of $1500/person or $4500/family. So we paid premiums and the insurance paid nothing. Just so we could have a little card that said yeah I'm insured. And then we were charged more for services because we had that little worthless card.
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My husband had and MRI we were charged $2500 because we had insurance.
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One month later my mother in law got in a car wreck did MRI (same place) was charged $1000 because she was cash -- in payments not all upfront or it would have been cheaper.
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It is just crazy.
by DA BEN DAN yanggui zi on May 10th, 2011
In Canada it costs me $57.00 per month ($684.00 per year)
How Much Does the Average Family Health Care Plan Cost?
by Answerbag Staff on July 30th, 2009
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explain the purpose of an organizational chart and what it accomplishes for a healthcare organization.
by trecy70 on December 6th, 2011
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Why is Ageless Male gaining so much popularity?
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Is Ageless Male good for weight loss too?
by Cynthiasmith on December 30th, 2011
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Out of all the countries ive lived in the world, the UK has the worst healthcare system ever! ( NHS ) WHY ?
by MORE GOOD on December 6th, 2011
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Comments
And how they do deductables is that amount per person up to 3 times to meet it for the family. So the family deductible it really upwards of $7,500. So most are simply paying premiums and still paying all their doctor bills, too.
by my2cents--Vote for Paul on February 10th, 2010
Can you explain that in laymans terms plaese? Trying to educate myself on the US healthcare system which I know nothing about.
I'm a Brit, thank God for the NHS.
by Captain Birdseye on February 11th, 2010
Say have family of 5. So if we have medical bills on MOM that amounts to $3000.00 after the family paying $2,610 deductible then insurance starts to pay and would normally pay 80% of the amount after the deductible
($3000- $2610= $390) $390 * 80%= $312.00 that the insurance would pay of the $3000 total on MOM's bills.
Now if DAD has to go to Doc they have to meet the deductible again on just DAD's bills == another $2610
Then if SISTER gets sick you have to meet the deductible again another= $2610
But if BROTHER gets sick as the has been met 3 times for family then his bills do not have to add up to the $2610 the insurance company starts off paying the 80% on his.
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So after you meet the the $2610 for family (X 3) == $7830.00 so basically the deductible is $7830.00 annually plus your premiums ($366 * 12= $4392) total of pay out of family pocket is $12,222.00 and people wonder why Americans cannot afford health insurance.
by my2cents--Vote for Paul on February 12th, 2010
Is that a standard/ normal healthcare plan? Don't employers help with premiums? Thanks for the info so far 2cents, you're opening my eyes.
by Captain Birdseye on February 13th, 2010
If it is an insurance policy offered through the employer then yes they will usually help some with the premiums. The above was if you were buying independently. Say if you are self employed or your employer does not offer insurance.
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However don't get the idea that if it is offered through an employer that it suddenly becomes affordable. I worked for 2 separate companies recently and both offered insurance. Both offered insurance similar to the above but my share of the monthly premium would have about $250 monthly. Which is a savings of about $1200 annually. So the premiums were $3000 instead of $4392. But these companies as have many others started hiring only part time employees so you cannot afford to pay for the insurance if after you pay you take home $700/month and the cost of the insurance is $250/month that leaves only $500 take home. So then you have to not sign up for the insurance because you cannot afford it. And then you are counted as a person who just does not want insurance. And in my state if you make more than $400/month you do not qualify for gov. assistance with your medical.
by my2cents--Vote for Paul on February 14th, 2010
I'm stunned 2cents, I really am. I am an average earner and about £250 per month ($375) of my taxes pays for the NHS. That's almost everything, free. I can go to my GP any time, no charge. He sent me to hospital for minor surgery once, no charge. One or two trips to A&E (ER)in my life, no charge. Dental bills heavily subsidised, I've just paid £100 ($150) for a broken crown/ veneer, to be renewed. That cost includes peace of mind for my 2 kids and my retired parents. The downside of course is that my wife also pays the same, but given that your insurance doesn't seem to cover much, I think your getting a crap deal. Please let me know if I've got anything wrong here.
by Captain Birdseye on February 14th, 2010
That is about it. And yes. I think we get crap also.
by my2cents--Vote for Paul on February 14th, 2010