If you have had insurance in past years, a question about cost

[uppityperson]

Mine went up annually, more than doubled over the last 4 years. Did your insurance premiums raise in the past? I recall a lot of people complaining in the last 10 yrs how their premiums continued to raise so I was wondering, did yours? I am not meaning now, with the ACA, but in the past.

Thank you.

[notadmblnd]

1. yes mine rose in the past. This year, no increase.

nt

[Nye Bevan]

2. Yep. Significant increases (nt)

[RebelOne]

3. When I had health insurance through my job,

though I was laid off in 2010, my insurance was $200 a month. It included life, health, dental and eye care. Now I am on Medicare, which is $106 a month and only covers health.

[Recursion]

4. Pretty much every year wherever I worked the HR person would have to find a new plan

And it would cost more than the previous year. But then when I would switch jobs it would be radically different. But within a company, the costs to me would pretty much always go up each year.

Also, until this year employees had no idea what employers contributed to their health plans (unless the employer chose to share that information). Starting this year it goes on the W-2.

[liberal N proud]

5. 2 years ago ours doubled

Last year it went up = to my raise, this year it is going up 200/ month and I don't expect to get a pay raise.

[DURHAM D]

6. Yes

Every year until 2009 when I became eligible for Medicare.

[WinkyDink]

7. 2012--2103 = $599.35 ---> $617.13 monthly. PA Capital Blue Cross Group.

[elleng]

8. Yes, as a Federal employee,

premiums increased regularly, and were negotiated by OPM for the country's largest work force. Every year we did/do have options to stay with or change our insurance carrier, and/or program.

[alsame]

10. I've been self employed since 1998. When I

left my last employer, I took COBRA and it was very inexpensive. When I started buying an individual policy in early 1999, the cost was roughly $195/mo. for me.

By 2009, my monthly premiums were $1250/mo. I'm healthy, no preconditions, no chronic prescription meds.

That's when I dropped my coverage, it was just ridiculously expensive. Since then I've paid for checkups and an occasional prescription out of pocket and it's been far less costly than $12,000+ per year.

[Barack_America]

11. I think a lot of companies tried to cash in before the ACA went into effect.

The writing on the wall regarding health care reform was there from the moment Obama got elected. A lot of companies wanted to get theirs before the regulations came down. This is particularly true with regards to executive pay.

[CountAllVotes]

12. Co-pays on medications

They have gone up 400% in the past 4 years, that's right, 400%!

[dipsydoodle]

13. sfa

That's what happens in the UK when you reach retirement age - employees NHS payments cease. Employers payments remain unchanged.for those still working.

That reminds me to ask what happens under your ACA when you reach retirement age ?

[arely staircase]

14. yes, they have, like yours

doubled in about the same amount of time.

[Roland99]

15. Not really

at a previous small employer, insurance premiums for my family would have been just under $1,000/mo. When I left after 3 years, they were about $1,100.

My new employer, they are about that, $1,100/mo. A reason why I don't have it. That's a freaking mortgage! And that's just the premiums...not to mention co-pays, deductibles....

[HockeyMom]

16. Moved from NY to Florida

Increased costs? ROFL But. but. BUT there is no State Income Tax. Wash with all the other increases.

[questionseverything]

17. we paid into ins until

our mid 40's when my spouse needed a couple of fairly minor treatments

after we submitted those bills our premiums went up every billing cycle(we paid quarterly) by about 90% until they hit 6 grand every quarter with a ten grand out of pocket cap (obviously we were forced out)

we are self employed and i think our insurance story was typical before aca

insurance companies wanted us when young and healthy,not so much as we aged and actually needed care

[OhioChick]

18. Significantly.. Mine went up more than 45% in 2013

My coverage dropped 10% across the board with higher deductibles and double max out-of-pocket.

This is through my employer.

Can't wait to see what 2014 holds.

[kestrel91316]

19. When my premiums (going up at over 25%/yr) finally topped $500/mo for a crappy

GROUP INSURANCE PLAN FOR MEDICAL PROFESSIONALS that featured a $5000 or $7500 deductible and 20% copay, so that I was out nearly $14k/yr before I saw a dime of benefits, I bailed. I figured that $14k would buy far more than any medical care I'd be needing in the foreseeable future. I gambled because I couldn't afford not to, and I won. But it's been a terrifying ride, and now I am terribly overdue for all sorts of screenings.

[LWolf]

20. My insurance has been increasing steadily for 15-20 years.

About 2010, the increases doubled in size each year, a much larger increase than in previous years. My deductible has also increased by $1250 since then, and my copays by 20%.

None of this is affected in anyway by the ACA.