We pay $900 a month for my husband and myself. We only pay copays. Our max out of pocket is $500

@aboutellesbabes, you are welcome! It’s nice that with the HSA, we can use pretax money to pay the medical bills... so it’s like getting 15-20% extra to pay with

@dreamermom, okay so that makes me feel better! We kinda sacrificed paying for monthly to get the $1200 deductible, since my SO’s doctor and prescription is extremely expensive, we just couldn’t do a high deductible! But shit after this year he won’t need it anymore and then we can get a plan that looks more like yours! Thank you so much!

I think we pay $280 ($560/mo) we have a high deductible... so we have to pay 100% until we reach 6K, then 80/20 until we reach $12k, then they pay 100% up to 1 million... and the last 3 years we have hit our deductible! With my first pregnancy she came at 33w2d, just her hospital bill was over $160k... mine was somewhere around $50K... so we were quite thankful to not be on the hook for 20% of that... the second year, my husband had MRSA and needed to see a ton of specialists... so he burned through the 12k... and we just recently had another high risk pregnancy and that one was close to $60k... so with the crazy couple of years it has been totally worth it! Fingers crossed this next year we won’t use it much!

@morgan.k, trust me I have NO IDEA! haha @halifax6, yea after this year he won’t need the medication anymore, which will make a HUGE difference! unfortunately, Kaiser doesn’t cover his doctor’s office or the medication :/ and it’s a very expensive medication 🙄 pretty much only Cigna and United health covered what we needed them to cover!

@aboutellesbabes does Kaiser not offer it ? So far, I've paid nothing out of pocket for this baby.

@morgan.k, wow I need a government job quick! Lol yea I looked it up and the average family pays $880 per month!

@aboutellesbabes I hate how for an individual it's 59 a check yet to add just my husband Jack's it up to 208! 149 for just my husband is lame.

@halifax6, I really wanted to go with Kaiser, they were definitely the best price-wise! My SO unfortunately needs a medication that isn’t covered by a lot of companies, which limited our choices severely :(

Mine is through my employer though, we do Blue Cross Blue Shield

I think for a family of four it would be $400 a pay period. Maybe a month?? I’m not sure. I know my deductibles suck tho. Max is $6k.

@aboutellesbabes it's rough. I couldn't really afford having him on my plan, too. Who are you going through?

@halifax6, yea unfortunately I don’t work :( so my SO has to cover the whole family! It certainly makes an enormous difference! Ugh

I should clarify, my husband goes through his work for insurance

For next year, I will be paying 59.46 per pay check and 118.98 per month. I will add my child in Feb, and that will make it 160 per check and 320 per month. I have the zero deductible, max out of pocket 1500/3000 20 dollar copay for primary. With Kaiser. However to add my husband makes it 586 per paycheck and that's out of the question!

@scurlock.mommy, sorry if it seems like I’m prying, it’s just our last day to sign up. I want to make sure we are doing the right thing for the fam :)

@scurlock.mommy, So $60X4(my family) would be $240, I know that’s not how it works I’m just thinking in terms of 4 individuals paying for insurance. So that is less than what we are paying for our whole family! What do your co-pays look like? Are they 20/80, as well?

I pay $60 a paycheck for just me.