re: #270 A Mom Anon

Could someone explain to me how the health insurance for just my husband at his new job is around 90 dollars a month(45 bucks out of each paycheck) and to add myself and our kid makes it jump to….825 dollars a month???!!(412 a paycheck). That’s close to 25 percent of his total take home pay. WTF?

So now my son and I have to go into the market and try to find our own healthcare. I looked last night and we can get him a 5000 dollar deductible with a dental plan from bcbs of GA for around 100 bucks a month. If me and the husband get on his plan it’s still 450 a month. Holy crap. I have no idea what to do now. I don’t have any idea how to choose a plan that won’t suck or rip us off. I’m just having a total freakout that it’s cheaper to go into the market and buy insurance than it is to go through the group policy at the husband’s job. Any thoughts on where to look for something that’s worth more than the paper it’s printed on? We still have 6 months before the ACA exchanges kick in, I have no clue what to do now.

It sounds like the employer is paying the majority of the coverage for your husband with some coming from him, but having you pay for all the coverage for you and your son.