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The Water Cooler
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2024 Health Insurance
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<blockquote data-quote="OKRuss" data-source="post: 4139909" data-attributes="member: 41777"><p>Yep, just got our annual enrollment link today. We've got pretty good coverage, I think, but that's likely because we're self funded. Company paid $2.2B towards health insurance for employees in 2023. However, there are always changes made in the benefit of the insurance company and the one paying most of the costs. This year is no different.</p><p></p><p>Years ago they removed the Employee + Spouse option(for married with no kids). Now, we pay a higher premium under the Employee + Family plan. Wife has to prove she's ineligible for coverage at her employer or I have to pay a subsidy to the company for her to be on my plan. Luckily, she doesn't log enough hours to be eligible.</p><p></p><p>Single provider is now United Health Care(UHC). We had to start using them a couple years ago and it hasn't been pleasant. Here's the coverages for 2024 Employee + Family:</p><p>On a 70%/30% plan where we pay some costs until meet our deductible</p><p>$146.02 per pay period or $292.04/month - includes health, dental, vision</p><p>Annual deductible $2350/person or $4800/family</p><p>Max Out Of Pocket $4850/person or $9700/family</p><p>Company provided HRA with $900 given for 2024</p><p>Dental $100 deductible with $200 max out of pocket - preventative is 100%</p><p>Vision $10 copay for each visit - lenses/contacts each year, frames every 2 years</p><p></p><p>Can contribute up to $2500/annually pretax into a Health Spending Account.</p></blockquote><p></p>
[QUOTE="OKRuss, post: 4139909, member: 41777"] Yep, just got our annual enrollment link today. We've got pretty good coverage, I think, but that's likely because we're self funded. Company paid $2.2B towards health insurance for employees in 2023. However, there are always changes made in the benefit of the insurance company and the one paying most of the costs. This year is no different. Years ago they removed the Employee + Spouse option(for married with no kids). Now, we pay a higher premium under the Employee + Family plan. Wife has to prove she's ineligible for coverage at her employer or I have to pay a subsidy to the company for her to be on my plan. Luckily, she doesn't log enough hours to be eligible. Single provider is now United Health Care(UHC). We had to start using them a couple years ago and it hasn't been pleasant. Here's the coverages for 2024 Employee + Family: On a 70%/30% plan where we pay some costs until meet our deductible $146.02 per pay period or $292.04/month - includes health, dental, vision Annual deductible $2350/person or $4800/family Max Out Of Pocket $4850/person or $9700/family Company provided HRA with $900 given for 2024 Dental $100 deductible with $200 max out of pocket - preventative is 100% Vision $10 copay for each visit - lenses/contacts each year, frames every 2 years Can contribute up to $2500/annually pretax into a Health Spending Account. [/QUOTE]
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