Average Annual Individual Health Insurance Cost

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Average Annual Individual Health Insurance Cost

Under $999
8
13%
$1,000-$1,499
13
21%
$1,500-$1.999
17
28%
$2,000-$2.499
14
23%
$2,500-$2,999
5
8%
$3000-$3,499
3
5%
+3,500
1
2%
 
Total votes: 61

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Renne Walker
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Average Annual Individual Health Insurance Cost

Postby Renne Walker » Wed Jul 06, 2011 11:30 pm

Since most law schools mandate having individual health insurance, what do you pay for your individual health plan (not covered by parent or spouse)? If you can add details, please do.

lawgod
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Re: Average Annual Individual Health Insurance Cost

Postby lawgod » Wed Jul 06, 2011 11:32 pm

This is a poll where we all say what we think the average is?

I say just go no insurance. Tell the school you have, and just don't have. My school didn't ask for any proof. (I do actually have insurance, my parents plan still covers me.)

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Renne Walker
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Re: Average Annual Individual Health Insurance Cost

Postby Renne Walker » Wed Jul 06, 2011 11:36 pm

lawgod wrote:This is a poll where we all say what we think the average is?

No. Perhaps the title should have been, "what do you pay for health insurance," if you are not covered by parents or spouse.

Renzo
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Re: Average Annual Individual Health Insurance Cost

Postby Renzo » Wed Jul 06, 2011 11:42 pm

My school mandates insurance. But I live in New York, and I have no income, so I told them to go screw and hooked up the Medicaid.

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Kendi
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Re: Average Annual Individual Health Insurance Cost

Postby Kendi » Thu Jul 07, 2011 8:55 am

I indicated my insurance should cost around $1000-$1500, but my law school's plan is over $2,500. Hopefully, I will find a plan that the school will accept, even though it will be cheaper than theirs.

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cinephile
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Re: Average Annual Individual Health Insurance Cost

Postby cinephile » Thu Jul 07, 2011 9:43 am

My individually purchased insurance is roughly $1,000 a year. But it doesn't actually cover anything worth covering -- it's basically just catastrophic insurance. Even though the school's plan is twice that, I think I'm taking it. Maybe I'll actually see a doctor for the first time in two years.

applejacks
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Joined: Sat Jun 11, 2011 1:16 pm

Re: Average Annual Individual Health Insurance Cost

Postby applejacks » Thu Jul 07, 2011 9:44 am

probably going to be a little over 2 grand.

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TTH
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Re: Average Annual Individual Health Insurance Cost

Postby TTH » Thu Jul 07, 2011 9:45 am

My insurance is around 700 bucks and the coverage is actually decent if you stay within the University's medical system, and since it's fucking huge, it has most anything I need

drs36
Posts: 116
Joined: Tue Mar 22, 2011 12:39 pm

Re: Average Annual Individual Health Insurance Cost

Postby drs36 » Thu Jul 07, 2011 9:55 am

Renzo wrote:My school mandates insurance. But I live in New York, and I have no income, so I told them to go screw and hooked up the Medicaid.


It surprises me that more people don't do this. I would have done the same if my parents' insurance didn't cover me 'til 26.

03121202698008
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Re: Average Annual Individual Health Insurance Cost

Postby 03121202698008 » Thu Jul 07, 2011 9:58 am

I do not use the school's insurance. I have a similar, albeit slightly worse, plan from the same carrier (Aetna) for $80/month. It covers major medical and some office visits. I can use my school's clinic (do everything up to x-rays) for free so its coverage is adequate.

The school's plan is like $170/month...

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Bill Cosby
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Re: Average Annual Individual Health Insurance Cost

Postby Bill Cosby » Thu Jul 07, 2011 10:11 am

drs36 wrote:
Renzo wrote:My school mandates insurance. But I live in New York, and I have no income, so I told them to go screw and hooked up the Medicaid.


It surprises me that more people don't do this. I would have done the same if my parents' insurance didn't cover me 'til 26.


They don't because you can't in most states.

drs36
Posts: 116
Joined: Tue Mar 22, 2011 12:39 pm

Re: Average Annual Individual Health Insurance Cost

Postby drs36 » Thu Jul 07, 2011 10:20 am

Bill Cosby wrote:
drs36 wrote:
Renzo wrote:My school mandates insurance. But I live in New York, and I have no income, so I told them to go screw and hooked up the Medicaid.


It surprises me that more people don't do this. I would have done the same if my parents' insurance didn't cover me 'til 26.


They don't because you can't in most states.


Interesting. Feel free to disagree, but I just understand that. The program is designed to help the low-income and who better to help than a student trying to better his/herself all the while having a net-worth of, likely, negative $'s. But what the hell, just deny them and add a few thousand $ more onto his/her debt pile.

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Ersatz Haderach
Posts: 237
Joined: Tue Jun 01, 2010 1:42 am

Re: Average Annual Individual Health Insurance Cost

Postby Ersatz Haderach » Thu Jul 07, 2011 10:29 am

1320, and I need to read my statements more carefully.
Last edited by Ersatz Haderach on Fri Jul 08, 2011 2:23 am, edited 1 time in total.

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Kendi
Posts: 97
Joined: Sat Jun 25, 2011 4:00 pm

Re: Average Annual Individual Health Insurance Cost

Postby Kendi » Thu Jul 07, 2011 11:46 am

Ersatz Haderach wrote:800. Man, some of you are getting ripped.

That works for me! Can you say who the carrier is? Is the coverage descent, meaning are we talking a five figure deductible?

BoriquaEsquire
Posts: 38
Joined: Tue Mar 08, 2011 12:04 pm

Re: Average Annual Individual Health Insurance Cost

Postby BoriquaEsquire » Thu Jul 07, 2011 12:52 pm

My school's basic program is $1,614/year. It's a little pricey, but I'm disabled and see a lot of doctors so I end up saving more than I spend on the annual premium.

My parents also pay for health insurance on their plan because my school's catastrophic is only $250,000 and the prescription benefits expire after $1,500. Last year, I went through the prescription benefits in a month and a half and had to pay out of pocket for the rest of the year. As you can imagine, my disbursement was stretched pretty thin because of that.

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cranberry
Posts: 116
Joined: Fri Sep 25, 2009 3:33 pm

Re: Average Annual Individual Health Insurance Cost

Postby cranberry » Thu Jul 07, 2011 1:20 pm

I pay $3000 but I have the like, prescription plus plan because I'm a medhead. The real deal is dental insurance... $300 for the year, and I've had a root canal, a crown, crown replacement, and three cleanings, all on their tab. :D

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Renne Walker
Posts: 546
Joined: Sat Jan 29, 2011 2:12 am

Re: Average Annual Individual Health Insurance Cost

Postby Renne Walker » Thu Jul 07, 2011 3:18 pm

In the early going, it is roughly 46% for those paying over $2K and 54% for those paying under $2K. Interesting to see that 16% are paying over $2.5K and 17% are paying under $1K.

The largest cell [30%] pays between $2,000-$2,500.

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Ersatz Haderach
Posts: 237
Joined: Tue Jun 01, 2010 1:42 am

Re: Average Annual Individual Health Insurance Cost

Postby Ersatz Haderach » Fri Jul 08, 2011 2:23 am

Kendi wrote:
Ersatz Haderach wrote:800. Man, some of you are getting ripped.

That works for me! Can you say who the carrier is? Is the coverage descent, meaning are we talking a five figure deductible?


I'm an idiot. It's actually 1320. :cry:

Still, it's not awful, and is 80/20 coverage with max out of pocket of 5k if you use the local hospitals (good ones), and a lot of things are 100% after the 20 dollar co-pay. It's Aetna, with some special provisions since my school has a huge hospital system throughout the city/region.

smittytron3k
Posts: 197
Joined: Fri Nov 06, 2009 4:32 pm

Re: Average Annual Individual Health Insurance Cost

Postby smittytron3k » Fri Jul 08, 2011 7:35 am

I think mine is either 1400/year or 1400/semester...I know I'm paying 1400 in the fall but can't remember what I paid in the spring.

Anyways, pro-tip for the cheapskates: typically you are ineligible for a state's medicaid program if you are eligible for coverage through another source, including your law school.

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Ele
Posts: 15
Joined: Thu Jun 23, 2011 9:42 pm

Re: Average Annual Individual Health Insurance Cost

Postby Ele » Sat Jul 09, 2011 12:14 am

Columbia provides a basic $1,935 plan, this is probably the one I'll choose. We have the option to supersize it to $2,816, which includes enhanced benefits for prescription drugs and physical therapy. We can opt for an outside carrier, if it meets certain rigid standards.

dudders
Posts: 468
Joined: Sat Mar 13, 2010 4:56 pm

Re: Average Annual Individual Health Insurance Cost

Postby dudders » Sat Jul 09, 2011 12:24 am

Bill Cosby wrote:
drs36 wrote:
Renzo wrote:My school mandates insurance. But I live in New York, and I have no income, so I told them to go screw and hooked up the Medicaid.


It surprises me that more people don't do this. I would have done the same if my parents' insurance didn't cover me 'til 26.


They don't because you can't in most states.


Yeah my state would seem to require that I be over 65, blind, disabled, or pregnant, and that my bank account never exceed $2600 at any point during any month.

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Kendi
Posts: 97
Joined: Sat Jun 25, 2011 4:00 pm

Re: Average Annual Individual Health Insurance Cost

Postby Kendi » Sat Jul 09, 2011 3:05 pm

Does anyone have coverage they are happy with in the $1,500 annual price range? Would you please identify the carrier.

NorielleL
Posts: 1
Joined: Mon Jun 25, 2012 2:08 am

Re: Average Annual Individual Health Insurance Cost

Postby NorielleL » Mon Jun 25, 2012 2:13 am

I think some of you will agree that most people can ill-afford to pay for things they do not need in these difficult times.

Slobberson
Posts: 74
Joined: Wed May 09, 2012 1:48 pm

Re: Average Annual Individual Health Insurance Cost

Postby Slobberson » Sun Jul 01, 2012 5:09 pm

drs36 wrote:
Bill Cosby wrote:
drs36 wrote:
Renzo wrote:My school mandates insurance. But I live in New York, and I have no income, so I told them to go screw and hooked up the Medicaid.


It surprises me that more people don't do this. I would have done the same if my parents' insurance didn't cover me 'til 26.


They don't because you can't in most states.


Interesting. Feel free to disagree, but I just understand that. The program is designed to help the low-income and who better to help than a student trying to better his/herself all the while having a net-worth of, likely, negative $'s. But what the hell, just deny them and add a few thousand $ more onto his/her debt pile.


That guy chose to "better himself" at a super expensive law school in one of the most expensive cities on the planet. Why should we pay for that?

Renzo
Posts: 4265
Joined: Tue Dec 02, 2008 3:23 am

Re: Average Annual Individual Health Insurance Cost

Postby Renzo » Fri Aug 31, 2012 12:09 am

Slobberson wrote:
That guy chose to "better himself" at a super expensive law school in one of the most expensive cities on the planet. Why should we pay for that?


Because I am now in the highest tax bracket in one of the highest tax states, and I don't complain about it because I know the money is going to good uses like providing health insurance to people who need it.




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