I paid about $150 a month for a family of 4. I think the employer cost was about $600.
For the longest time I paid $15 to see ANYONE. Specialist, regular doctor, etc. Eventually it went to $25 and $50 for a specialist.
I had a deductible of something like $300.
Now I am paying about $1000 a month. I have something like $1300 individual deductibles.
When I meet the deductible, I have 20% c0-pay which doesn't sound like much until you get the bills. Oh, you went to the OB-GYN for a birth control consult---that's $300. They made you come back for a follow up? That's $150. You had a mole removed and it was sent to pathology--Ok well that was $1500. You had the anesthesiologist come in to numb it? Well that was $2750.
20% of real numbers adds up ---
“Now I am paying about $1000 a month. I have something like $1300 individual deductibles. “
Unless you’re sick all the time, you’re better off without insurance.