What percentage of your pay goes for health insurance??

From my pension's annual Gross, I pay about 4% to enroll in my health coverage insurance policy.

Plus $3 for each mail-order quarterly prescription, and $20 for each office visit. So for drugs and doctor visits I pay about 0.5% of my pension each year. So I guess 4.5% of my pension.

But then we have other streams of income flow.

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Roughly 15%. Dental is additional and pay as you go.

2.2% of gross pay (per month) and if you add full dental it goes up to 2.4%. Being a city prosecutor has its benefits.

1.7% is my cost of premium for a family of 4

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We pay $776.40 for a family plan called an EPO which I don't fully understand, but our HMO was increased to $990.00 in Oct. so we switched. It's about 10% of our annual income, but our co-pays are now $40.00 instead of $20.00 before.

I should have stated that this is for family (4) coverage.

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"Education is the ability to listen to almost anything without losing your temper or your self confidence"
Robert Frost

0% -can't afford it. Hubby works for a construction company, small companies just don't have the benefits........
Seems like only corporate America or Gov't jobs ever pay a significant amount towards health.

We are self employed... health insurance is just too darned expensive, we don't have any. We are both herbalists and can take care of ourselves on most things. An ounce of prevention and all that. Human beings have lived without health insurance for most of our tenure on the earth. Health insurance is based mostly on your fear of getting sick or terribly damaged. It will not prevent anything from happening it will only pay some of the damages if something does. (which, incidentally you have already paid a lot of). We try to be somewhat self insured. We have found that most doctors have different fees for folks who are paying with real money than they have for folks with insurance. Be careful out there folks.

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0% the company pays for it all, for me, my wife, and kids, less the copays, which are $20 to see my doctor, and $40 to see a specialist, er is $50, dental is free, vision is free. we used to have to pay over $700 a month for medical, but then we voted to go union. i have to say, i was not a big fan of unions, but it has been very good for us. i still bring home the same pay, but it used to be that almost a weeks pay went to heath insurance. also have 1 week of paid sick time now too, and 10 holidays off with pay, never had that till we went union.

zero.

I would not submit myself to the controlling nature of the insurance gristmill for any amount of false security.

2007 is a good example why health insurance is a good thing for me and my family. In 2007 I have had major surgery on both shoulders and also undergone extensive testing for an irregular heartbeat.
The shoulder surgery's totaled over 50,000.00. Without insurance I have no idea how I would pay that. Bankruptcy is not an option...
I don't know what the heart testing cost, but it's a boat load also.
The shoulders were not due to injury. They were a result of abnormal bone growth that affected the use of the joint. The entire joint area was cleaned out from 3 different angles arthoscopically and then a 4 inch incision was made so the bone could be cut off.
These conditions are not rare. Many people have to have this type of surgery.

For those of you that do not have insurance, how would you deal with a condition like this? Being forced to pay for something like this would be financially devastating to most.

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"They laughed, because he was different"

"He laughed, because they were all the same"

WOW! You must make a ton of dough. Assuming Blue Cross family coverage is $800/mo and your company doesn't pay much of it, less just say that you pay $600/mo. If $600 is 0.024% of your monthly income, that means you make $2.5 millon a month!

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This is the government the Founding Fathers warned us about.....

Ours is 0.9% due to the company paying so much. That's for a family of 6. Includes dental, vision, LTD. My life insurance is even a better deal.....save it for another thread.

LOL! It's pretty good, but not quite that good!

I need to go dig out the actual numbers. I think I'm a digit off.....

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"They laughed, because he was different"

"He laughed, because they were all the same"

None...I am self-employed and the expenses I have don't leave much room for "extras" such as health or life insurance. Sure, I can write it off on my taxes, but I still have to pay for it first.

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Don't think of it as being outnumbered, think of it as a wide target
selection.

0%

I spent about 700 last year on medical bills... my first medical bills EVER! If I'd had insurance, I wouldn't have met most deductibles.

If insurance were free, I'd go three times a week.

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Luck is what happens when preparation meets opportunity. Seneca
Learning is not compulsory... neither is survival. W. Edwards Deming

0%. no health insurance. When I went through my divorce, he had to pay for the first 3 years of my insurance, then I had the option of keeping it, but I couldn't afford the $500 month insurance on my income of $800.00 month. My income is so low, I can't afford the insurance. Carolyn

I will add that when I did health insurance, I didn't run to the doctor for every little thing, we have wonderful top of the line insurance, but I only went to the doctor for my yearly check ups and the childrens necessary checkups, except the youngest, which had many many complications until she was about 4. Good thing we had good insurance then. Carolyn

25% of my take-home pay. I get weekly checks, so it was like losing an entire week's pay.

Lovely. $2600 deductible - but 100% coverage thereafter. So it's sort of catastrophic insurance. If I couldn't lose my home over medical debt (it's not close to being paid for), I'd seriously consider going without. But we had a scare last year, and it cost quite a it just in tests. (no insurance at the time)

I understand that a huge number of home foreclosures are actually due to medical emergencies/bills.

If I could get health insurance even at a third of my income, I would grab it. But I can't get health insurance because I have incisional hernias and so far I have been allergic to any of the mesh they use in repair. Carolyn