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Last year my plan was family of four (Aetna), had individual deductible of 7,500 and family deductible of 10,000 and was 1,400 per month after subsidies. It was essentially a catastrophic plan and the cheapest one I could afford. Any silver plans were around 2,300/months.
You would have to be piss poor to get anything of 300 for a family plan. I would be smiling ear to ear for 300/mo. For last year you can guess that yup we had one ER visit that I’m still paying off because we didn’t hit the deductible. Thankfully nothing bad except RIP my wallet. I don’t know who enjoys paying 1,400 per month for such a shitty plan.
Best way for me to insure my family would be to quit my job so I can get max subsidies and get all my premiums covered. Thankfully my SO got a job with some healthcare so I could get rid of that plan.
First of all, you said it was at least $2K before (and never mentioned the whole family). So why should I believe that it's actually $1400?
Second of all, I literally just looked it up and a basic UnitedHealth plan for 4 people in Beverly Hills, CA was $329 (with no subsidies). If what you say is true, you must live in a terrible place with no healthcare options. It's not normal.
Because I have the receipts when Atena hit my card monthly until we cancelled.
CA does not represent the rest of the USA. CA is near if not the most top state in the USA for medical coverage, very progressive except maybe shy of Virginia. Hell they even negotiated insulin down to normal levels since they threatened to open the our insulin production.
And you are correct the healthcare market place for last year had two options, Blue Anthem and Aetna. My state sucks so much….
Oh, so now $1400 < $2000?
Oh also the 2k is assuming an increase for 2024. 2022 my premium for the same crappy Bronze plan was around 950, then jumped up that much to 1400 in 2023 when one the insurance companies pulled out of our states healthcare market.
For a silver plan, lower deductibles etc (3500), you can almost double the crappiest Bronze plan premiums. So 2,000 - 3,000 premiums wouldn’t be a surprise before subsidies. Also if you aren’t familiar with the subsidies those are calculated based an a certain income. So if you put down a range (55k/yr) and let’s say you got a raise at the end of the year ($62k) it may disqualify you and boom you owe an extra 7k during tax time. Happened to my dad.
The best thing to happen was getting employer backed insurance but now our insurance is tied to our employer, yay for employer latitude.