Company offers UHC. National HMO plan is $1011 premium a month? Company is covering 50% of it leaving me at ~$500 a month. I’m almost 26, single, no children. I already got the ball rolling with HR before realizing that I did the math wrong and I’ll be having 2x more than what I thought deducted from my paycheck. Am I stuck with this since HR said they’d be sending my cards soon? Is this outrageously expensive or am I unlikely to find better?
Turning 26 within 2 weeks, ~73k/year, MD, 21701, not able to reply so continuing to update my post…
(Slightly) alternatively:
National POS HSA - $218.73 per payroll (2x per month)
That’s really expensive for your age, especially in Maryland. The private market in Maryland is the cheapest in the country. You could get a nationwide PPO for less than half that monthly price. Opt out of the employer plan and work with a nationwide advisor. Avoid using a marketplace or ACA broker. Choose an independent broker who has access to both public and private options.
If you work with a broker MAKE SURE you are getting comprehensive coverage. Don’t let someone fool you into taking a limited benefits plan bc it’s cheap – it won’t give you the coverage you need.
Agreed. Do NOT go with golden rule, philadelphia life or manhattan life… no limited benefit or short term plans. The ONLY unlimited major medical plan that exists in the country outside of the ACA is going to be US Health Group SecureAdvantage. It’s a traditional plan with a deductible and coinsurance / max out of pocket. You just don’t get benefits for drug / alcohol abuse rehab, psych ward benefits, and maternity. If you don’t need those 3 things, go with them. If you’re 26 and in MD it’ll run you probably $200/mo with dental and vision.