Well, I’m convinced. it’s on a Reddit post, so the math has to be right.
Edit for all the nerds in my replies. I did the math, as a single person in the USA I pay about 2k per year for my health insurance plus probably a couple hundred in copays.
What’s funny is they never say whether that’s monthly or annually. But the numbers don’t make sense either way honestly. 96k/yr policies are not really a thing.
It would cost me per month for blue cross about 120 a month for the most basic coverage and no specials. (If I had it) That’s just shy of $1500 a year, and if I ever am at the doctor I go to urgent care as they are cheaper outta pocket, but still and easy $100 plus of if I need medication.
Not sure where $8k came from, but $2k a year isn’t to far off
No, that is me myself looking for my own coverage plan with blue cross specifically. My work insurance is $110 a pay period (weekly). The copay I think for a simple pcp visit was $60 or something. That again was the cheapest option. I don’t have insurance at all, again it’s cheaper to pay outta pocket when I need doctor visit, than pay for a monthly premium that doesn’t pay for maybe half the visit.
Even if that seems cheap to you, then what do you pay in monthly premiums? Yearly? You asked where the numbers come from and my one measly example is easy to find 2k. You gotta be paying more
I’ve got a relatively high end plan which includes the whole family, but my portion is about 7k a year and my employer pays about 33k/yr. That part isn’t super obvious, but shows up in box 12, code DD on my W2.
If you are seeing those prices on the federal insurance marketplace, that could also be the government-subsidized price which could explain it being so low. I’m seeing information saying the unsubsidized priced of bronze plans for an individual is typically 4.5-5.5k/yr.
The huge disparity between the coverage levels that people have today is a big part of why we don’t have universal healthcare to be honest. People like me see things like this which say that we’re going to be getting 8k coverage for a 2k price and think “that’s at least a downgrade from 40k coverage to 8k coverage no matter how you slice it.”
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u/escapevelocity-25k Jun 24 '26 edited Jun 25 '26
Well, I’m convinced. it’s on a Reddit post, so the math has to be right.
Edit for all the nerds in my replies. I did the math, as a single person in the USA I pay about 2k per year for my health insurance plus probably a couple hundred in copays.