What percentage of your pay goes for health insurance??

canadiangirl · #41 02/02/08, 06:16 AM

0% yeah Canada! I pay 19% income tax (corporate rate) and a provincial sales tax. Health care is nada. I do have to pay for perscriptions but my US friends tell me it's cheaper here for that too. DH had cancer surgery and treatments total cost to us about $50 in various parking fees at the hospital for several visits and about $250 for prescription pain medications.

Severian · #42 02/02/08, 07:13 AM

0%.... my employer pays the whole thing, except for copay/deductibles, but that's the only benefits we get, no retirement or anything else.

Riverdale · #43 02/02/08, 07:28 AM

About 10%, but that includes optical, dental, prescription and both long and short term disability.

Batt · #44 02/02/08, 08:33 AM

For everyone who says their employer pays for their insurance or even most of their insurance, that is not correct. You are paying for it in money you do NOT get. So your costs are whatever the employers costs are. Due to prior injuries and high BP, I can't get any kind of decent insurance, just VA.

fixer1958 · #45 02/02/08, 09:19 AM

The percentage varies along with my paycheck.
Every July the plan changes and we get less coverage and pay more.

A couple of years ago we were out 30k on some treatments for myself because I had to go out of state therefore out of the network.
15k out of pocket and 15k lost wages. The insurance company said they were going to cut us some slack, that's what it ended up being.

That was when the ins. was better than it is now.

I would imagine that we would really be screwed if we had no insurance at all.

Helena · #46 02/02/08, 11:26 AM

0%..my husband's union pays 100% of preminums for excellent BS/BS !!We are very, very fortunate that this has been the case for 42 years now.

de Molay · #47 02/02/08, 12:06 PM

I pay $70.00 per month here in Alberta. That includes a medical once a year, hospital, x-ray, mri, ultra sound, phyciatric, and all specialists, surgery, ambulance, eye test every 2 years. We have to pay for all extra's like medication, etc. If your income falls below a certain level I think it is $20,000.00 per year the taxpayer covers everything

trish4prez · #48 02/02/08, 12:18 PM

I pay $84/month (2% of my income) for medical insurance on just me. Dental is fully paid by my employer. Dental coverage is great. The medical isn't.

de Molay · #49 02/02/08, 12:29 PM

Canadian Healthcare is not free, no matter what some say. There is only one pocket the taxpayer. Here in Alberta one of the wealthiest States in N. America our taxes are very very high. The average Canadian taxpayer now pays more in taxes than they do for Food, Housing, Clothing, and Transportation combined. So one way or another we all have to pay. It just seems to cost me less because someone else is paying my way.

BTO · #50 02/02/08, 12:29 PM

Quote:

Originally Posted by meancoyote

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.

My employer pays 2/3 and I pay 1/3. I would suggest that I pay 100% of the $15,000 (plus copays) health costs, however. It is factored in to my pay by my employer. Also, how much are you paying a month to the union for that free health insurance? I am not a big fan of unions!

L.A. · #51 02/02/08, 01:53 PM

Quote:

Originally Posted by Rockin'B

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.....

Take the % off and you'll be right. (.024 = 2.4%) I think you meant 24%.
I pay 25% for family 500 deduct

JGex · #52 02/02/08, 02:17 PM

Quote:

Originally Posted by Adron

For everyone who says their employer pays for their insurance or even most of their insurance, that is not correct. You are paying for it in money you do NOT get. So your costs are whatever the employers costs are.

Yup.
Our insurance doesn't get taken out of our checks as we have it set up to be paid through our business pre-taxable income. The cost is also deductible from our taxes, so it was either pay part of the money to the tax man or get insurance.

tarbe · #53 02/02/10, 08:52 PM

My out of pocket is 0.13% of my gross. I am on a high deductible plan ($3000 per individual, $6000 family).

txquilter · #54 02/02/10, 09:01 PM

11% for medical, dental and vision
+ another 1.5% for a mandatory HSA that is not accessible until retirement.

fordy · #55 02/02/10, 09:38 PM

.................I have my insurance with Old Farts Mutual UnderFunded by the YMCA........they take $30 a month out of my checking account . , fordy

arabian knight · #56 02/02/10, 09:52 PM

I figure it is close to 20%. After what Medicare deducts form my SS Check, the Supplemental Coverage one has to get separate to cover the 20% Medicare does not, and then the Drug coverage one must also get. plus Co-Pays on everything.

ErinP · #57 02/02/10, 10:22 PM

22% of gross
(closer to 25% of take-home)
$3K deductible.

We were foolish enough to go without heath insurance exactly once in our lives...
It took five years to pay off my healthy-as-a-horse husband's emergency appendectomy. Never again.
I've said this many times-- You aren't insuring yourself against health issues. You're insuring yourself against bankruptcy.

mosepijo · #58 02/02/10, 10:28 PM

Quote:

Originally Posted by Scrounger

None - I can't afford health insurance.......

I'm with you.... I can't afford health insurance either.

PhilJohnson · #59 02/03/10, 12:06 AM

I had no insurance for years. When the opportunity came up to enroll in Wisconsin's subsidized health insurance I jumped on it. It doesn't pay any vision or dental but it will pay for emergency. Last bill I paid 200 bucks out of a 600 dollar medical bill. For now I pay nothing for a monthly premium because I make so little money.

salmonslayer · #60 02/03/10, 01:01 AM

We pay 1.5% of gross for full coverage medical and dental for DW and I which comes out to $160.00 a month for medical and $54.00 a month for dental. We feel very fortunate.