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Old 10-28-2021, 09:57 AM  
TLO TLO is offline
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Health Insurance
My company is changing up providers for the health insurance they offer this upcoming year, and the options are pretty lackluster.

I know diddly dick about trying to find private health insurance, but surely someone on here has some knowledge to share.

Where do I look? What would constitute "good coverage" in your opinion?

Any suggestions welcome.
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Old 10-28-2021, 10:02 AM   #2
BryanBusby BryanBusby is offline
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Don't bother. The private options will either be shit or too expensive to seriously consider.
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Old 10-28-2021, 10:03 AM   #3
TribalElder TribalElder is offline
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Always hate when an employer changes providers

They usually try to tell the employees its for their benefit but it's always for the benefit of the company
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Old 10-28-2021, 10:04 AM   #4
HC_Chief HC_Chief is offline
That's just f***in' stupid
 
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These guys are helpful and a better option than the gub'ment run exchanges (gub'ment = ****tards) IMO
They rank/rate based upon options customers really care about, then link you directly to the providers

https://www.nerdwallet.com/blog/health-insurance/
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Old 10-28-2021, 10:05 AM   #5
ptlyon ptlyon is offline
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Old 10-28-2021, 10:05 AM   #6
TLO TLO is offline
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Oh wow!!! Look at this really good plan... For $686 a month!!!! WTF is this shit?????
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Old 10-28-2021, 10:11 AM   #7
Discuss Thrower Discuss Thrower is offline
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Oh wow!!! Look at this really good plan... For $686 a month!!!! WTF is this shit?????
Health insurance is just like football. You have to pay for the fatties because that's the market.
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Old 10-28-2021, 10:11 AM   #8
ptlyon ptlyon is offline
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Oh wow!!! Look at this really good plan... For $686 a month!!!! WTF is this shit?????
Somebody has to pay for all the free shit
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Old 10-28-2021, 10:14 AM   #9
King_Chief_Fan King_Chief_Fan is offline
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company provided plans are usually better bargains than private. You can compare coverage and cost including out of pocket and deductibles against your company provided coverage
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Old 10-28-2021, 10:19 AM   #10
Buehler445 Buehler445 is offline
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If they’re supplementing it at all it’s likely better than you can get elsewhere. There is some non-insurance group cost sharing stuff that sounds a little too good to be true ish, but no way I’m doing that.

If it’s bad enough start looking for a better job.
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Old 10-28-2021, 10:30 AM   #11
TLO TLO is offline
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Originally Posted by Buehler445 View Post
If they’re supplementing it at all it’s likely better than you can get elsewhere. There is some non-insurance group cost sharing stuff that sounds a little too good to be true ish, but no way I’m doing that.

If it’s bad enough start looking for a better job.
Ehhh. I just got a pretty massive promotion. I'll stick it out with shit health insurance if needed.
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Old 10-28-2021, 10:35 AM   #12
George Liquor George Liquor is online now
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Old 10-28-2021, 10:37 AM   #13
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Old 10-28-2021, 10:38 AM   #14
kepp kepp is offline
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As others have said, you're very unlikely to find a better deal than your company-provided insurance.

Are you in good health? You might want to consider (if they offer it) a high deductible HSA plan. A lot of companies contribute to their employees' HSAs annually and your contributions can be pre-tax. If you can swing it, an HSA provides multiple tax benefits. And it typically comes with lower premiums.
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Old 10-28-2021, 10:57 AM   #15
Third Eye Third Eye is offline
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Don't bother. The private options will either be shit or too expensive to seriously consider.
This, and only this.

Unless your company has zero employer cost share (very doubtful), you simply are not going to find a better product/price on your own. For what it’s worth, you can see how much your employer pays vs. what you pay on your W-2.

Source: while I currently work in forecasting/reserving, I used to work in health insurance pricing.
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