General Discussion
In reply to the discussion: High deductible heath plans maim and kill people [View all]CANDO
(2,068 posts)There are many variables to take into account. The coverages beyond just the deductible are also different. Doctor office visits, ER visits, even after the deductible is satisfied there are differences in what percentage the insurance covers. HD plans often pay 80% after deductible, my plan pays 90% after deduction is met. It's ok for everyone to figure out what fits for them, and also take into account what plans are offered and by whom, and what subsidies are picked up by your employer. I'm on the lowest deductible plan($450 per individual, $900 max/family for in network care) for myself and family through my employer and my weekly cost is $72. I'm signed up for a whole range of other benefits such as eye, dental, life insurances, disabilities, etc, and it all totals only $98 per week. I'm not sure where you got your numbers, perhaps from premiums individually through an insurance company. I certainly feel for people who don't have good employer subsidized plans. But I've also seen some scrappy plans offered through employers.