Small business/personal health insurance

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This topic contains 51 replies, has 0 voices, and was last updated by  bsmomma 3 years, 5 months ago.

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  • #606235

    bsmomma
    Participant

    Hello!! I am looking to find some health insurance. We’re a small family business. We don’t visit the doctor often AT ALL! But it would be nice to get a check up and have piece if mind. :) Any recommendations?????

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    #782922

    luckymom30
    Participant

    Scroll to Washington State listings there are several insurance plans and companies listed

    http://www.nasro-co-op.com/health/directory.shtml

    #782923

    jissy
    Participant

    Try Ashley @ 206-933-0100, think he has plans for individuals and seniors.

    #782924

    hammerhead
    Participant

    Good luck it is all very expensive. Mine just went up 100.00 per month. I have an average deductible, but the higher the deductible the lower the monthly rate. I have lifewise, to me there really is no difference in coverages.

    I do have AFFLAC as a back up since I am self employed as I can not get L and I.

    Good luck

    HH

    #782925

    hooper1961
    Member

    group health high deductible plan is what I use. runs about $420/month and includes some dental.

    #782926

    JoB
    Participant

    and do you provide that to your employees hoop?

    because that sounds like a group rate to me

    #782927

    kgdlg
    Participant

    I believe hoop has volunteered in earlier posts that he pays his employees $16-17 an hour with PTO benefits, no healthcare. He contends that there are “afforadable” options in the market for his employees.

    Hoop, correct?

    #782928

    hooper1961
    Member

    currently I have one employee that I pay for their health insurance. the other employee is part time as needed and i do not pay for their health insurance.

    #782929

    JoB
    Participant

    ahhh.. then the rate you quote as an individual rate is actually a negotiated rate available to business groups?

    #782930

    hooper1961
    Member

    no i did not go through any business group. i use Group Health high deductible plan

    #782931

    JoB
    Participant

    hoop..

    you use group health high deductible plan for individuals …

    that is a plan that is sold on the open market to any individual who applies for it?

    oh wait.. silly me..

    a high deductible health insurance plan that is sold to any individual who applies for it doesn’t exist until the no pre-existing conditions exclusion kicks in on Obamacare… does it?

    #782932

    hooper1961
    Member

    I applied for the high deductible plan by Group Health and was accepted. So yes High Deductible Plans do exist for individuals and families.

    i anticipate the cost of the plan i have to go up dramatically in 2014 due to obamacare (any wager on this JoB?). it already went up 14% in 2012 (I inquired and about 8% of the 14% increase was due to added mandates). is this fair?

    #782933

    JoB
    Participant

    hoop..

    i know high deductible plans exist…

    i also know they aren’t available for everyone

    and certainly not at the price you quoted..

    LOL..it’s nice that the health care insurance industry has Obamacare to blame for it’s price increases…

    to what do you attribute the steady increase prior to Obamacare?

    #782934

    hooper1961
    Member

    my insurance price is $414/month I just wrote the premium check

    insurance increases are due to general inflation and cost shifting by medical providers trying to get whole due to non paying patients.

    #782935

    Lena
    Participant

    We have a high deductible plan through Regence. $306 a month for both my husband and I. We are both middle aged. Yes, this is an individual plan. I don’t really expect it to cover anything but serious emergencies but the price is right and if something large happens we will only be out $22,000 at most.

    #782936

    JoB
    Participant

    hoop..

    ” cost shifting by medical providers trying to get whole due to non paying patients.”

    ROFLOL… and exactly how “whole” do you think they need to be hoop?

    I am guessing you would feel whole at half their profit margin

    especially if you could grant yourself a CEO’s salary.

    #782937

    JoB
    Participant

    Lena..

    you do realize that $22,000 is more than some of the people who post here make in a year?

    because that is $22,000 a year, isn’t it?

    And do you have a premium and coverage guarantee if you end up needing that coverage?

    #782938

    Lena
    Participant

    Not saying $22,000 would be easy but much better than losing our house and being in debt for the rest of our lives. Yes, I think the health care system is very sick and I would happily pay more (either in taxes or in premiums) if it meant everyone could have decent coverage.

    #782939

    JoB
    Participant

    Lena..

    i agree… even after Obamacare… it’s still broken

    i think it’s time we demanded a fix

    #782940

    hooper1961
    Member

    JoB

    I agree with you the current system and Obamacare and the system is still broken.

    The disagreement is over how to fix the system in a manner that is equitable (socializing is not equitable low risk (controllable items) people should pay less than high risk people with appropriate flattening) and makes sense.

    Basic preventative procedures, inoculations et al are not the system cost drivers. The cost is a myriad of issues:

    – fee for service in lieu of outcome

    – bad health habits of people (smoking and cannot be said (but it is a huge driver of cost)

    – over use of services by the lucky ones with generous benefits

    – excess overhead at insurance companies

    – people who do not pay for services provided

    – and the simple issue that there are a myriad of treatments that are horrendously expensive with poor outcomes.

    The above are a few items.

    #782941

    JoB
    Participant

    hoop..

    you keep bandying about that word equitable

    i would settle for something that actually works and that we can afford…

    if your health insurance was replaced by a plan that covered preventative care 100% and had a copay of say $20 for doc visits and maybe $100 for ER for the same amount you are paying right now..

    would you go for it even though your premium would be called taxes?

    #782942

    hooper1961
    Member

    JoB – if it was basic services possibly. And then people could buy insurance for the high cost low outcome type of procedures. In other words a line would need to be drawn somewhere, basics and insurance for high cost specialty drugs and procedures et al. Also co pays for each doc visit.

    Also people who do not take care of themselves should be dinged some how. Maybe add a tax to junk food and pop similar to taxes on cigarettes to help pay for the basics.

    #782943

    JoB
    Participant

    hoop..

    so.. even if you paid no more than what you pay today

    you wouldn’t agree to anything more than basic services..

    and if people needed anything more than that they would have to either be able to pay for it or die

    this isn’t about money is it?

    #782944

    maplesyrup
    Participant

    Back to the topic at hand…

    When I needed to do this for my company I contacted a broker who found a plan through AWB. (Note I’m not endorsing AWB’s political activities.)

    There are also other group negotiated plans through city business associations and trade associations. You pay a small dues fee to join and then can buy into their group plan.

    I would suggest you contact a broker (it doesn’t cost you anything) and ask them to help you. I’d be happy to provide my broker’s information if you need it; she’s great.

    #782945

    hooper1961
    Member

    JoB – it’s about equity and cost control. And I find it highly unlikely I will be paying no more than what I pay today in the future. Obamacare is going to raise the cost greatly due to too few cost controls and removing risk costing in insurance premiums.

    And back to the topic – contact Group Health for pricing.

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