Blue Cross Blue Shield of Louisiana, now just my wife and I on the plan. It's a high deductible plan, and I got a notice saying it is renewing on 12/1 and premium is going from $1363 to $1208. Now that's a ridiculous amount of money regardless, but I'm astonished that it's going down. It is a Grandfathered plan, but that hasn't stopped it from going up year after year.

Not looking a gift horse in the mouth (expressions like this crack me up too), but any idea on what the heck is going on?

The deductible amount hasn’t increased, has it?

quote:

Originally posted by tsmccull:
The deductible amount hasn’t increased, has it?

No. They call it a "health saver" plan, but it's not a health savings account, or anything like that. We pay out of pocket up to $5600/year, and they pay 100% after that. Same as it's been since before Obamacare.

The only thing I can think of is that it being a "grandfathered" plan they don't have to take high risk or pre-existing conditioned patients, and now some of the higher cost individuals are dropping off. When Obamacare appeared I had talked to an agent and he recommended that I stay on my plan because it was grandfathered, although up until now rates have climbed annually anyway.

Mine went down too for 2019.

HDHP with HSA, but went down almost $50 a month for me. Nothing has changed in the plan at all.

For 1/1/18 to 12/31/18 my premium went from $1700/mo to $2900/mo - a whopping 71% increase.

Good to hear they're going down for you this year.

I left that carrier earlier this year and for 2019 my new carriers premium is only going up by 5.8%.

Ours has leaped as well, the wrong direction. $1800 a month for shitty coverage for my wife, daughter and I. Getting very tired of this.

When you get over 60 but before 65 they really gouge you. The premiums go through the roof and deductibles are high.
So much for the Affordable Care Act. This one thing would keep me from ever again voting Democrat for a national race.
Not that I did before.

quote:

Originally posted by h2oys:
For 1/1/18 to 12/31/18 my premium went from $1700/mo to $2900/mo - a whopping 71% increase.

Wait a minute? Did you say a month? Per MONTH?

Jesus, Mary, & Joseph!

quote:

The only thing I can think of is that it being a "grandfathered" plan they don't have to take high risk or pre-existing conditioned patients, and now some of the higher cost individuals are dropping off. When Obamacare appeared I had talked to an agent and he recommended that I stay on my plan because it was grandfathered, although up until now rates have climbed annually anyway.

Don't worry your health insurance company is still making plenty of money.

Mine went from $2165/month down to $1950 or thereabouts. BCBS Texas Silver HMO Plan. For just my bride and me.

Mine went down $104/mo. A new category is offered, instead of family coverage I have insured plus spouse. Since all of my kids have reached ages past coverage for 3 years. I think it was a great way to save on premiums.

just did my annual enrollment

mine went down a bit also - like $15 for 'the same' plan

cost is about $265 / month for the family -- but that is one of our main 'selling points' in terms of benefits -- our actual pay is not known as industry leading but the benefits are ...

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quote:

Originally posted by h2oys:
For 1/1/18 to 12/31/18 my premium went from $1700/mo to $2900/mo - a whopping 71% increase.

I'm only half joking here, but save your money, get rid of insurance, and use the ER. When they ask you your name, no comprende, my name Juan Gonzalez.

quote:

Originally posted by Balzé Halzé:

quote:

Originally posted by h2oys:
For 1/1/18 to 12/31/18 my premium went from $1700/mo to $2900/mo - a whopping 71% increase.

Wait a minute? Did you say a month? Per MONTH?

Jesus, Mary, & Joseph!

Yes, that was per month for myself, my wife, and our daughter.

I pay $15/week and that's because of the stupid BMI charts. If I was under the limit it would be free.

Mine jumped 13.7% this year, and now it's 272% more than what it was when I started the plan in January 2010. Health Insurance is the biggest bill for me each month, more than my mortgage and utilities combined.

Mine is going down as well.

The devil is in the details. I am keeping my plan but a lot of the fine print (copays, out of network coverage, breadth and depth of the provider and pharmacy network, co-insurance) has changed.

I think the insurance industry has figured out that they pay a big price in PR for the monthly premiums, and not such a big price for fine-print tweaking.

But that's fine. I just have to make sure I pay closer attention.