Scan Medical Insurance

My new employer offers United Healthcare insurance for medical coverage; why are the premiums too high?

Family coverage is about $1,150 MONTHLY with a $2,000 annual deductible, and it'll cost over $1,300 MONTHLY with a $1,000 annual deductible. This includes Medical and Dental but does NOT include Vision. My old employer (where I got laid off) offer Aetna PPO coverage for only $489.26 per month for my family of five. Perhaps they were subsidizing. Regardless, where else can I go for REAL insurance (not a "discount" plan)?

Public Comments

1. Most, but not all, employers pay part of the group premium. The cost of the coverage you mentioned is not unusual. However, group policies are usually higher priced than individual policies. This is because they have to accept everyone in the group no matter what their health conditions. The size of the group will also have a bearing on the premium, as well as the ages of the people in the group with a smaller group policy. Also, the benefits can vary greatly between policies. If your family is healthy with no pre-existing conditions you should be able to find a policy that will suit you for much lower costs. Visit a local agent that works with all the major companies in your area. The agent can find the best policy for you. There is no extra charge using an agent.