4 ms·
This is a family plan; the bronze plans are $2400 or so a month. But that means a huge deductible; for a high-needs family, it works out worse financially.
by ceejayoz 8mo ago
This is a family plan; the bronze plans are $2400 or so a month. But that means a huge deductible; for a high-needs family, it works out worse financially.
- deleted 8mo ago[deleted]
- raw_anon_1111 8mo agoWhen I compared plans at work over the years, I’ve found that it is rarely cheaper to do low deductible/higher monthly costs than higher deductible /lower monthly cost + pay deductible out of pocket.
- ceejayoz 8mo agoThat will vary from person to person. In our case, we tend to hit the max out-of-pocket pretty fast.
- raw_anon_1111 8mo agoIs that still cheaper than high deductible + HSA contribution to cover the deductible?
- ceejayoz 8mo agoYes. Substantially so, in my case. Likely not for many, but I definitely did all this math annually.
- bdangubic 8mo agoBoth my wife and I have been contractors for decade+ and have been with Kaiser and are paying $1.1k/month for Bronze-ish plan (1 child)
- raw_anon_1111 8mo agoHow does that work if you have a pre-existing condition? I am honestly curious