Go Back   Great Lakes 4x4. The largest offroad forum in the Midwest > General 4x4 Stuff > Politics, Government, or Religion Chat
GL4x4 Live! GL4x4 Casino

Politics, Government, or Religion Chat Bring your flamesuit!







Search
Reply
 
Thread Tools
Old October 31st, 2013, 08:53 AM   #1
Bones
skillicous
 
Bones's Avatar
 
Join Date: 11-06-05
Location: Dearborn Heights, MI
Posts: 11,408
iTrader: (37)
Mentioned: 1 Post(s)
Send a message via AIM to Bones
Default How much did your 2014 health insurance increase, real numbers only

Just enrolled this morning. 56% increase for the "enhanced, healthy living" medical plan. It would have been a 233% increase if I didn't qualify for healty living.

No change to optical or dental...

edited for clarity
__________________
Inviscid Motorsports

Special Thanks and Recommendations to;
Motorcity Machines
Ironman Offroad
Branik Motorsports
Maxxis Tires

Raceline Wheels
PAC Racing Springs
Joint Clutch and Gear

Last edited by Bones; October 31st, 2013 at 01:53 PM.
Bones is offline   Reply With Quote
Old October 31st, 2013, 08:58 AM   #2
GreaseMonkey
Senior Member
 
GreaseMonkey's Avatar
 
Join Date: 11-04-05
Location: Washington, MI
Posts: 17,947
iTrader: (22)
Mentioned: 0 Post(s)
Default

My wife and I have to go through the packet for next year.

Not looking forward to it.
__________________
Quote:
Originally Posted by kerryann View Post
I am not a lesbian but if I was I would do her.
GreaseMonkey is offline   Reply With Quote
Old October 31st, 2013, 09:15 AM   #3
amc78cj7
Senior Member
 
amc78cj7's Avatar
 
Join Date: 11-07-05
Location: Ann Arbor, MI
Posts: 5,352
iTrader: (9)
Mentioned: 0 Post(s)
Default

Quote:
Originally Posted by Bones View Post
Just enrolled this morning. 56% for the "enhanced, healthy living" medical plan. It would be 233% if I didn't qualify for healty living.

No change to optical or dental...
Please define your numbers. The question you posed is "how much did it INCREASE" not "how much did it CHANGE". Therefore, I assume your "enhanced healthy living" plan is 1.56x your current? Or is it a change such that it is 0.56x your current?
__________________
I'm not quoting idiots who promote unsafe recovery strap techniques anymore. :miff:
amc78cj7 is offline   Reply With Quote
Old October 31st, 2013, 09:19 AM   #4
RivMan
Senior Member
 
Join Date: 04-18-10
Location: Belleville, Mi
Posts: 212
iTrader: (2)
Mentioned: 0 Post(s)
Default

My company absorbed a large chunk of the increased premiums. My out of pocket went from $291/mo to $317/mo.

No change in vision or dental.

-Rob
RivMan is offline   Reply With Quote
Old October 31st, 2013, 09:28 AM   #5
barry1me
Just another day
 
barry1me's Avatar
 
Join Date: 06-09-06
Location: Howell, MI
Posts: 2,886
iTrader: (9)
Mentioned: 0 Post(s)
Default

Our out of pocket monthly cost went from $290 to $350. And our deductible went up. 20% in one year. That's not good
barry1me is offline   Reply With Quote
Old October 31st, 2013, 09:31 AM   #6
bigbchevy
missmrgreenagain
 
bigbchevy's Avatar
 
Join Date: 09-15-07
Location: fenton /hartland mi
Posts: 18,516
iTrader: (163)
Mentioned: 35 Post(s)
Default

Wtf
__________________
H.o.r.e
(mr.green)So you are calling CC a liar?? Not a nice way to treat your bitch.
tube bending and gear installs pm me for info! gears installed for $150 and up per axle.
bigbchevy is offline   Reply With Quote
Old October 31st, 2013, 09:38 AM   #7
amc78cj7
Senior Member
 
amc78cj7's Avatar
 
Join Date: 11-07-05
Location: Ann Arbor, MI
Posts: 5,352
iTrader: (9)
Mentioned: 0 Post(s)
Default

Quote:
Originally Posted by barry1me View Post
Our out of pocket monthly cost went from $290 to $350. And our deductible went up. 20% in one year. That's not good
Not to mention that in 2013 we lost the $2000/ year stimulus which had a big impact on my household budget. And we're trying to encourage people to start spending money to get the economy moving...

No numbers yet from my employer, but my costs were really high to start with so I'll probably have to go on govt assistance soon.
__________________
I'm not quoting idiots who promote unsafe recovery strap techniques anymore. :miff:
amc78cj7 is offline   Reply With Quote
Old October 31st, 2013, 09:56 AM   #8
XXXJ
Desert Rat
 
XXXJ's Avatar
 
Join Date: 03-09-07
Location: Memphis, Mi
Posts: 5,559
iTrader: (12)
Mentioned: 2 Post(s)
Default

$2.61 or 3% FEHB

Now you see why Kathleen Syllabus didn't want to go O-care. She ain't giving that up.
__________________
If I didn't think with my penis, I wouldn't think at all

I hope I am not a racist, I mean I drive fast, But I am not specialized at it.
XXXJ is offline   Reply With Quote
Old October 31st, 2013, 09:59 AM   #9
CheapThrillB2
FAWK YEAH!!
 
CheapThrillB2's Avatar
 
Join Date: 09-06-06
Location: Middleville, MI
Posts: 30,799
iTrader: (61)
Mentioned: 3 Post(s)
Default

Waiting to get our numbers, very concerned though. I already pay $164 week for my family coverage.
CheapThrillB2 is offline   Reply With Quote
Old October 31st, 2013, 10:03 AM   #10
JohnnyJ
Low Range Drifter
 
JohnnyJ's Avatar
 
Join Date: 11-09-05
Location: Hartland, MI
Posts: 6,093
iTrader: (37)
Mentioned: 4 Post(s)
Default

Insurance up $300 (+66%) for the year, deductible up $400 (+12%), max out of pocket up $500 (+10%). Dental up over $100 (+25%) for the year, No vision coverage.

They pushed us out of low deductible PPOs and HMOs to the Medical Spending Accounts with major medical coverage a few years ago. There are two plans: You can choose to pay less premium, less deductible but higher max out of pocket; or higher premium and deductible, but less max out of pocket. I'm in plan A figuring that on average I won't hit max out of pocket and can hopefully put more in my 401k style medical spending account for the years we have bigger bills.

They wouldn't say what portion of the increase is the year to year we've been getting hit with, and what portion was due to Obamacare. I do know that in the mid-90s I was paying $20/month for the full bells and whistles HAP plan. It's rapidly gone up from there. When my 2nd kid was born 6 years ago I was paying about the same monthly for the full bell and whistle PPO plan as I pay today just for shitty coverage. I'm jamming the max amount into the medical account trying to tax shelter the health care costs. So that takes the monthly way up there.

It's just another aspect of my life that I'm forking out more than yesterday for less than yesterday. It's awesome being middle class, middle age, white male.
__________________
Neither Skinny Nor Pretty DEAK Racing 4517 Ultra 4 Mod Class Rig
Surviving Project Car Hell - We have all been there
JohnnyJ is online now   Reply With Quote
Old October 31st, 2013, 10:17 AM   #11
montecarlo33
The Violator
 
montecarlo33's Avatar
 
Join Date: 08-23-07
Location: Otsego County 49735
Posts: 4,308
iTrader: (18)
Mentioned: 1 Post(s)
Default

Quote:
Originally Posted by JohnnyJ View Post
It's just another aspect of my life that I'm forking out more than yesterday for less than yesterday. It's awesome being middle class, middle age, white male.
That's the trufth right there! I gotta talk to the boss today, but it looks like I may lose my insurance all together. They use to pay 100% of the insurance and I paid an extra 35 a month for dental. my deduct was 1500 but they would match whatever I put into my health flex account. Latley with my new house, ive been so tapped that I haven't had the extra on my checks to throw into the flex account so ive had to spend out of pocket for the few doctor visits Ive had this year, but point being I don't think any business can really afford this hike.
montecarlo33 is offline   Reply With Quote
Old October 31st, 2013, 10:19 AM   #12
silveradoboy
Sam Brown
 
silveradoboy's Avatar
 
Join Date: 02-28-12
Location: Waterford/Cheyboygan
Posts: 1,917
iTrader: (3)
Mentioned: 0 Post(s)
Default

I signed up with my work for the first time. I pay $20/week (just me).

I guess it is cheaper than what I would have cost my parents on their insurance.
silveradoboy is online now   Reply With Quote
Old October 31st, 2013, 10:25 AM   #13
brewmenn
Grumpy old man.
 
brewmenn's Avatar
 
Join Date: 11-05-05
Location: Inkster, MI
Posts: 10,376
iTrader: (9)
Mentioned: 1 Post(s)
Default

The amount I have to pay went up $1.16 a week. No significant changes to coverage. I do not know how much of the actual increase my employer may have adsorbed. My employer is also claiming grandfathers status for our health plan so that may have also prevented some increases.
brewmenn is offline   Reply With Quote
Old October 31st, 2013, 10:54 AM   #14
aber61
Senior Member
 
aber61's Avatar
 
Join Date: 09-22-08
Location: Commerce Twp. Michigan
Posts: 6,077
iTrader: (3)
Mentioned: 2 Post(s)
Default

When I am forced to sign up for the new policy my monthly costs went down about $45.00 but my deductible went from $250.00 to $5100.00.
Brewmenn, the grandfather thing you speak of will only last until any changes are made to your plan. Then your plan will not meet the requirements according to the ACA. That is when your plan will see an increase.
aber61 is offline   Reply With Quote
Old October 31st, 2013, 11:00 AM   #15
clarkstoncracker
lol
 
clarkstoncracker's Avatar
 
Join Date: 11-03-05
Location: OC - MI
Posts: 42,291
iTrader: (39)
Mentioned: 71 Post(s)
Send a message via AIM to clarkstoncracker
Default

Average employee (family) health care is going from $611 to $928, and we are dropping health care across the board and paying the employees the cost of insurance last year, they can find their own.
This is BC/BC with great options.
__________________
clarkstoncracker is offline   Reply With Quote
Old October 31st, 2013, 11:07 AM   #16
kickstand
sHaMoNe!
 
kickstand's Avatar
 
Join Date: 09-20-06
Location: fenton
Posts: 30,745
iTrader: (46)
Mentioned: 24 Post(s)
Default

Quote:
Originally Posted by clarkstoncracker View Post
Average employee (family) health care is going from $611 to $928, and we are dropping health care across the board and paying the employees the cost of insurance last year, they can find their own.This is BC/BC with great options.
Damn, I want to work for you!
kickstand is offline   Reply With Quote
Old October 31st, 2013, 11:10 AM   #17
bigbchevy
missmrgreenagain
 
bigbchevy's Avatar
 
Join Date: 09-15-07
Location: fenton /hartland mi
Posts: 18,516
iTrader: (163)
Mentioned: 35 Post(s)
Default

Quote:
Originally Posted by aber61 View Post
When I am forced to sign up for the new policy my monthly costs went down about $45.00 but my deductible went from $250.00 to $5100.00.
Brewmenn, the grandfather thing you speak of will only last until any changes are made to your plan. Then your plan will not meet the requirements according to the ACA. That is when your plan will see an increase.
obama
__________________
H.o.r.e
(mr.green)So you are calling CC a liar?? Not a nice way to treat your bitch.
tube bending and gear installs pm me for info! gears installed for $150 and up per axle.
bigbchevy is offline   Reply With Quote
Old October 31st, 2013, 12:11 PM   #18
TJJEEP
Senior Member
 
TJJEEP's Avatar
 
Join Date: 11-08-05
Location: Orchard Lake
Posts: 2,799
iTrader: (2)
Mentioned: 0 Post(s)
Send a message via AIM to TJJEEP Send a message via MSN to TJJEEP
Default

Quote:
Originally Posted by clarkstoncracker View Post
Average employee (family) health care is going from $611 to $928, and we are dropping health care across the board and paying the employees the cost of insurance last year, they can find their own.
This is BC/BC with great options.
I have heard a lot of companies are doing this. Is there anyway to get around the taxed v pre-tax dollars?

The big drawback is the money companies are giving people is taxed where insurance through your company is using pre-tax dollars.

So if you are currently receiving insurance through your company and it costs you $600 per month, if a company switches to paying you instead of providing insurance, that $600 insurance will cost you an extra $150 a month to buy. (Assuming the premium price is the same as it was, and a 25% tax bracket)

Is there any way to set it up to buy insurance with pre-tax dollars?
__________________
If you're like me you like to talk to things. I'm Gary Busey!!
TJJEEP is offline   Reply With Quote
Old October 31st, 2013, 12:14 PM   #19
montecarlo33
The Violator
 
montecarlo33's Avatar
 
Join Date: 08-23-07
Location: Otsego County 49735
Posts: 4,308
iTrader: (18)
Mentioned: 1 Post(s)
Default

Quote:
Originally Posted by TJJEEP View Post
I have heard a lot of companies are doing this. Is there anyway to get around the taxed v pre-tax dollars?

The big drawback is the money companies are giving people is taxed where insurance through your company is using pre-tax dollars.

So if you are currently receiving insurance through your company and it costs you $600 per month, if a company switches to paying you instead of providing insurance, that $600 insurance will cost you an extra $150 a month to buy. (Assuming the premium price is the same as it was, and a 25% tax bracket)

Is there any way to set it up to buy insurance with pre-tax dollars?
Correct me if im wrong on this, but I believe the only way to do that is for your employer to cut a separate check or deposit it into a HSA account? From there anything spent on medical expenses is tax free.
montecarlo33 is offline   Reply With Quote
Old October 31st, 2013, 12:18 PM   #20
TJJEEP
Senior Member
 
TJJEEP's Avatar
 
Join Date: 11-08-05
Location: Orchard Lake
Posts: 2,799
iTrader: (2)
Mentioned: 0 Post(s)
Send a message via AIM to TJJEEP Send a message via MSN to TJJEEP
Default

Quote:
Originally Posted by montecarlo33 View Post
Correct me if im wrong on this, but I believe the only way to do that is for your employer to cut a separate check or deposit it into a HSA account? From there anything spent on medical expenses is tax free.
I am not familiar with how HSA's operate but I would like to know how to handle the situation I had mentioned. My employer is kicking around the idea of just giving employees a certain amount of money. At some point I assume a lot of employers are going to just give people a set amount of money.

here is wikipedia on an HSA. It also goes on to mention the yearly limit for family is $6500, which isn't enough for many family plans.

"A health savings account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan"

What if we are not in / don't want a high-deductible plan?
__________________
If you're like me you like to talk to things. I'm Gary Busey!!
TJJEEP is offline   Reply With Quote
Reply
Great Lakes 4x4. The largest offroad forum in the Midwest > General 4x4 Stuff > Politics, Government, or Religion Chat
Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump



All times are GMT -5. The time now is 08:57 AM.


Powered by: vBulletin, Copyright 2000 - 2012, Jelsoft Enterprises Ltd.
User Alert System provided by Advanced User Tagging (Lite) - vBulletin Mods & Addons Copyright © 2014 DragonByte Technologies Ltd. Runs best on HiVelocity Hosting.
Copyright 2005 - 2012 Cracker Enterprises - Powered by Linux
vB Ad Management by =RedTyger=
Page generated in 0.21164 seconds with 52 queries