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peabody
Love green icing!!!
Member since 5/05 4691 total posts
Name:
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Self employed and health insurance for family
If you are self employed and purchase health insurance for your family, how much is it? How did you go about pruchasing it?
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Posted 1/5/09 6:19 PM  |
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luvsun27
Check out my cool glasses
Member since 5/05 8135 total posts
Name:
Kim
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Re: Self employed and health insurance for family
We are in NJ, and there are only a few health insurance companies here, but I pay about $1700/month for health insurance for a famiy of 4 
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| Posted 1/5/09 8:56 PM |
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peabody
Love green icing!!!
Member since 5/05 4691 total posts
Name:
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Re: Self employed and health insurance for family
Posted by luvsun27
We are in NJ, and there are only a few health insurance companies here, but I pay about $1700/month for health insurance for a famiy of 4
WOW!!!! That is another mortgage payment. How do you afford it?
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| Posted 1/5/09 9:04 PM |
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luvsun27
Check out my cool glasses
Member since 5/05 8135 total posts
Name:
Kim
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Re: Self employed and health insurance for family
Posted by peabody
Posted by luvsun27
We are in NJ, and there are only a few health insurance companies here, but I pay about $1700/month for health insurance for a famiy of 4
WOW!!!! That is another mortgage payment. How do you afford it?
With business not being as good lately...it's getting tough!
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| Posted 1/5/09 9:21 PM |
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KPtoys
I'm getting old
Member since 5/05 8688 total posts
Name:
Karen
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Re: Self employed and health insurance for family
We have a HSA a plan with a high deductible. We pay $520 a month and our deductible is $5000 a year. We've had it for 3 months and have used $88 into our deductible. If we still had our Empire plan we would have spent over $3000 in monthly bills alone PLUS a $30 copay for each of the 2 visits I took the kids to. Sooo either $3060+ or $1648. I love the HSA plan!
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| Posted 1/5/09 9:23 PM |
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peabody
Love green icing!!!
Member since 5/05 4691 total posts
Name:
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Re: Self employed and health insurance for family
Posted by KPtoys
We have a HSA a plan with a high deductible. We pay $520 a month and our deductible is $5000 a year. We've had it for 3 months and have used $88 into our deductible. If we still had our Empire plan we would have spent over $3000 in monthly bills alone PLUS a $30 copay for each of the 2 visits I took the kids to. Sooo either $3060+ or $1648. I love the HSA plan!
Karen, what is HSA?
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| Posted 1/5/09 9:36 PM |
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Cpt2007
A new love!
Member since 1/08 5946 total posts
Name:
Liz
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Re: Self employed and health insurance for family
Posted by peabody
Posted by KPtoys
We have a HSA a plan with a high deductible. We pay $520 a month and our deductible is $5000 a year. We've had it for 3 months and have used $88 into our deductible. If we still had our Empire plan we would have spent over $3000 in monthly bills alone PLUS a $30 copay for each of the 2 visits I took the kids to. Sooo either $3060+ or $1648. I love the HSA plan!
Karen, what is HSA?
think she's talking about Health Savings Accounts.
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| Posted 1/5/09 9:38 PM |
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blu6385
Member since 5/08 8351 total posts
Name:
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Re: Self employed and health insurance for family
when i was self employed the best rate i found for insurance was thru this broker i saved about 300+ by going with thru them ...i dont have family though but i am sure they can still quote you ... i wasnt charged anything extra eiter by going thru them ... i dont have the card on me its at work but i am pretty sure the name of the broker comapny is broadstone ...i can confirm that tomorrow for you ...
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| Posted 1/5/09 9:41 PM |
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sunnyplus3
:)
Member since 11/05 8749 total posts
Name:
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Re: Self employed and health insurance for family
Posted by KPtoys
We have a HSA a plan with a high deductible. We pay $520 a month and our deductible is $5000 a year. We've had it for 3 months and have used $88 into our deductible. If we still had our Empire plan we would have spent over $3000 in monthly bills alone PLUS a $30 copay for each of the 2 visits I took the kids to. Sooo either $3060+ or $1648. I love the HSA plan!
We have a very similar plan.
I think the best way to buy affordable insurance when your self employed in Ny & Healthy Choice-the state program.
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| Posted 1/5/09 10:12 PM |
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lorimarie
AHHHHHHHHHH!!!!!!!!!!!
Member since 5/05 3753 total posts
Name:
Lori
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Re: Self employed and health insurance for family
I know we pay less than $1000 a month for ours. The coverage isn't great but it is fine for now - we can always upgrade if need be (knock wood).
I think its called "Smart Start" program from HIP....for small business owners.
Definitely worth a call.
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| Posted 1/6/09 12:45 AM |
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Myrockette
~*~*~*~*~*~*~
Member since 5/05 5632 total posts
Name:
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Re: Self employed and health insurance for family
We have a great plan w/Empire BCBS but still a little over $1000 for family.
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| Posted 1/6/09 7:24 AM |
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stephaniea
LIF Adult
Member since 1/07 1280 total posts
Name:
Stephanie
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Re: Self employed and health insurance for family
We pay about $850 a month for family of 5. We have HIP. We use our own drs. It is a $30 co pay for sick visits, $50 for specialty. Have no problems with it.
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| Posted 1/6/09 8:18 AM |
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