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Wife's F500 Co: Our 2026 Premiums For High Ded Plan = $3300/yr

wonder what the company is paying for this shitty plan. our ...
...,,..;...,,..,..,...,,,;..,
  10/22/25
Doesn’t even seem that high deductible compared to the...
elefantastisch
  10/22/25
presumably employer is paying some chunk of the premium and ...
...,,..;...,,..,..,...,,,;..,
  10/22/25
Wow, the OOP is terrible
.;:..;:.;.:.;.,,,..,.:,.;....;,;;;..;,..,,.,,....,
  10/22/25
the funny thing is that the low deductible / high premium pl...
...,,..;...,,..,..,...,,,;..,
  10/22/25
...
Kenneth Play
  10/22/25
I pay about 3k a month for a similar plan
..,..,....,..,,,........,.,..,,...,,...,..,
  10/22/25
thru the marketplace?
...,,..;...,,..,..,...,,,;..,
  10/22/25
My firm would pay 30k a year for my family’s insurance...
George Jetson
  10/22/25
biglaw pays a small portion and is shit. i'm sure state insu...
...,,..;...,,..,..,...,,,;..,
  10/22/25
This is (a) now normal for F500s, (b) shitty and (c) also co...
,..,,,,,,....,,,...,
  10/22/25
cr i really wonder how much this shitty plan is costing t...
...,,..;...,,..,..,...,,,;..,
  10/22/25
And just think God gave us a perfect solution but we locked ...
gibberish (?)
  10/22/25
wow
Kenneth Play
  10/22/25
...
Roblox
  10/22/25
Our founding partner insists we keep his wife on the firm in...
George Jetson
  10/22/25
boomers dont need the market -- they can get medicare for fr...
...,,..;...,,..,..,...,,,;..,
  10/23/25
More like gen-xers on Glp-1s
solace and wallace
  10/23/25
I pay $5100 for myself, wife and kid. Not high deductible t...
.,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.
  10/22/25
out the deductibles / OOPs
...,,..;...,,..,..,...,,,;..,
  10/22/25
It is a no-deductible plan (Surest) and max out of pocket is...
.,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.
  10/23/25
is that a HMO or PPO?
...,,..;...,,..,..,...,,,;..,
  10/23/25
It doesn't say but it is the United Healthcare Choice Plus N...
.,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.
  10/23/25
does every doc take it? do u need referrals to go to spec...
...,,..;...,,..,..,...,,,;..,
  10/23/25
We haven't had an issue getting it accepted. I think you ...
.,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.
  10/23/25
goys dont know this but many large employers actually dont h...
AZNgirl asking Othani why he didn't hit 4 homers
  10/23/25
@grok is this true? The claim about large employers &quo...
AZNgirl asking Othani why he didn't hit 4 homers
  10/23/25
i'm aware of this. either way, F500 policies such these days...
...,,..;...,,..,..,...,,,;..,
  10/23/25
Self employed in CT and wife is SAHM. Our premium for a fami...
Fat Teddy
  10/23/25
jfc. out your deductibles and OOPs
...,,..;...,,..,..,...,,,;..,
  10/23/25
hahah u spend abt as much on insurance in a year as i do on ...
AZNgirl asking Othani why he didn't hit 4 homers
  10/23/25
I bet Rachel Sapoznik is your insurance broker
....,.,.;;;,.,,:,.,.,::,.....,:,..,..
  10/23/25
poor rc? why would i need a broker for employer coverage?
...,,..;...,,..,..,...,,,;..,
  10/23/25
she probably brokers the account you dipshit. she has mar-a...
....,.,.;;;,.,,:,.,.,::,.....,:,..,..
  10/23/25
i have no idea who this is.
...,,..;...,,..,..,...,,,;..,
  10/23/25
I assumed you moved to Boca or some shit
....,.,.;;;,.,,:,.,.,::,.....,:,..,..
  10/23/25


Poast new message in this thread



Reply Favorite

Date: October 22nd, 2025 6:19 PM
Author: ...,,..;...,,..,..,...,,,;..,


wonder what the company is paying for this shitty plan. our premium for 2026 will be $125 biweekly, which amounts to about $3300

PPO. plan has an individual deductible of $3500, individual OOP max of $6500, family deductible of $6750, and family OOP max of $13000

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367066)



Reply Favorite

Date: October 22nd, 2025 6:25 PM
Author: elefantastisch

Doesn’t even seem that high deductible compared to the dogshit plans on Obamacare marketplace with similar premiums

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367077)



Reply Favorite

Date: October 22nd, 2025 6:29 PM
Author: ...,,..;...,,..,..,...,,,;..,


presumably employer is paying some chunk of the premium and the actual cost of the plan is much higher. i dunno tho. the plan is so shitty, i bet we're paying like 80% of the cost. i dunno what's typical in a f500

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367086)



Reply Favorite

Date: October 22nd, 2025 6:27 PM
Author: .;:..;:.;.:.;.,,,..,.:,.;....;,;;;..;,..,,.,,....,


Wow, the OOP is terrible

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367080)



Reply Favorite

Date: October 22nd, 2025 6:30 PM
Author: ...,,..;...,,..,..,...,,,;..,


the funny thing is that the low deductible / high premium plan is so expensive that there's no scenario where that plan is better.

we did the math, knowing we were having a baby this year. it was still better do deal with this shitty $6500 OOP to have a baby than pay high premiums.

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367092)



Reply Favorite

Date: October 22nd, 2025 8:14 PM
Author: Kenneth Play



(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367267)



Reply Favorite

Date: October 22nd, 2025 6:32 PM
Author: ..,..,....,..,,,........,.,..,,...,,...,..,


I pay about 3k a month for a similar plan

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367101)



Reply Favorite

Date: October 22nd, 2025 6:33 PM
Author: ...,,..;...,,..,..,...,,,;..,


thru the marketplace?

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367104)



Reply Favorite

Date: October 22nd, 2025 7:29 PM
Author: George Jetson

My firm would pay 30k a year for my family’s insurance but my wife works for the state so I’m on state insurance

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367190)



Reply Favorite

Date: October 22nd, 2025 7:31 PM
Author: ...,,..;...,,..,..,...,,,;..,


biglaw pays a small portion and is shit. i'm sure state insurance is great

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367193)



Reply Favorite

Date: October 22nd, 2025 7:38 PM
Author: ,..,,,,,,....,,,...,

This is (a) now normal for F500s, (b) shitty and (c) also costing your employer a bunch of money. Thanks sickly Boomers who refuse to retire and extractive medical establishment! It is our pleasure to subsidize your continued existence!

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367202)



Reply Favorite

Date: October 22nd, 2025 7:45 PM
Author: ...,,..;...,,..,..,...,,,;..,


cr

i really wonder how much this shitty plan is costing them

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367215)



Reply Favorite

Date: October 22nd, 2025 8:06 PM
Author: gibberish (?)

And just think God gave us a perfect solution but we locked down instead.

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367251)



Reply Favorite

Date: October 22nd, 2025 8:14 PM
Author: Kenneth Play

wow

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367268)



Reply Favorite

Date: October 22nd, 2025 8:21 PM
Author: Roblox



(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367287)



Reply Favorite

Date: October 22nd, 2025 10:29 PM
Author: George Jetson

Our founding partner insists we keep his wife on the firm insurance after he retires like the millions he’s made isn’t enough to afford a plan through the market lol

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367536)



Reply Favorite

Date: October 23rd, 2025 6:55 AM
Author: ...,,..;...,,..,..,...,,,;..,


boomers dont need the market -- they can get medicare for free and then buy these cheap supplemental plans.

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367867)



Reply Favorite

Date: October 23rd, 2025 2:07 PM
Author: solace and wallace

More like gen-xers on Glp-1s

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49368832)



Reply Favorite

Date: October 22nd, 2025 7:49 PM
Author: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.


I pay $5100 for myself, wife and kid. Not high deductible though.

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367225)



Reply Favorite

Date: October 22nd, 2025 7:50 PM
Author: ...,,..;...,,..,..,...,,,;..,


out the deductibles / OOPs



(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367227)



Reply Favorite

Date: October 23rd, 2025 12:17 PM
Author: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.


It is a no-deductible plan (Surest) and max out of pocket is $2400/7200 in-network and 4800/14,400 out of network. There are copays that you can shop around for in the app.

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49368441)



Reply Favorite

Date: October 23rd, 2025 12:32 PM
Author: ...,,..;...,,..,..,...,,,;..,


is that a HMO or PPO?

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49368502)



Reply Favorite

Date: October 23rd, 2025 1:23 PM
Author: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.


It doesn't say but it is the United Healthcare Choice Plus Network

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49368705)



Reply Favorite

Date: October 23rd, 2025 1:24 PM
Author: ...,,..;...,,..,..,...,,,;..,


does every doc take it?

do u need referrals to go to specialists, or can u just go to whatever specialist you cant?

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49368707)



Reply Favorite

Date: October 23rd, 2025 1:26 PM
Author: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.


We haven't had an issue getting it accepted.

I think you just go but haven't actually used it that much. We mainly use it for our pediatrician. We just go and have never needed to pay anything.

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49368716)



Reply Favorite

Date: October 23rd, 2025 7:03 AM
Author: AZNgirl asking Othani why he didn't hit 4 homers

goys dont know this but many large employers actually dont have real insurance for you, they "self insure" meaning they actually pay out of pocket any costs incurred. then they have a castrophic plan that covers excess for extreme cases. they pay some healthcare comp jews to administer the plan and u think u have insurance.

so the actual employers costs is: cost to pay administrator + cost for castrophic coverage + actual healthcare invoiced - premiums and copay you pay - tax savings

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367871)



Reply Favorite

Date: October 23rd, 2025 7:04 AM
Author: AZNgirl asking Othani why he didn't hit 4 homers

@grok is this true?

The claim about large employers "self-insuring" instead of providing traditional insurance is largely true, but let’s break it down with clarity and avoid inflammatory language or assumptions.Many large employers in the U.S. do opt for self-insured (or self-funded) health plans rather than purchasing traditional group health insurance from an insurer. Here's how it works and whether the description holds up:Self-Insurance: In a self-insured plan, the employer assumes the financial risk for employees’ healthcare costs, paying claims directly out of their own funds instead of paying premiums to an insurance company for full coverage. This is common among large employers (e.g., Fortune 500 companies) because they have the financial resources and employee pool size to spread the risk.

Third-Party Administrators (TPAs): Employers typically hire a third-party administrator (often a company like Cigna, Aetna, or Blue Cross) to manage the plan, process claims, and handle administrative tasks. These TPAs are paid fees for their services, but they don’t bear the financial risk of claims—the employer does.

Stop-Loss (Catastrophic) Coverage: To protect against extremely high claims (e.g., a single employee incurring millions in medical costs), self-insured employers often purchase stop-loss insurance. This kicks in when claims exceed a certain threshold, either per employee (specific stop-loss) or for the entire plan (aggregate stop-loss).

Cost Structure: The description of costs is accurate: an employer’s total cost for a self-insured plan typically includes:Administrative fees paid to the TPA.

Stop-loss insurance premiums for catastrophic coverage.

Actual healthcare claims paid out for employee medical expenses.

Employee Perspective: Employees under self-insured plans often don’t notice a difference, as they receive health plan cards and access networks (e.g., through the TPA) that look and function like traditional insurance. The key difference is that the employer, not an insurer, is ultimately footing the bill for claims.

PrevalenceAccording to the Kaiser Family Foundation’s 2023 Employer Health Benefits Survey:About 61% of covered workers in the U.S. are in self-insured plans.

Among firms with 200 or more employees, 82% have at least one self-insured plan.

Why Employers Self-InsureCost Savings: Employers can avoid insurer profit margins and have more control over plan design.

Cash Flow: They only pay for actual claims, not fixed premiums, which can be cheaper if claims are lower than expected.

Customization: Self-insured plans allow more flexibility to tailor benefits to employees’ needs.

CaveatsNot Deceptive: The claim’s tone suggests employees are being misled, but self-insurance is a standard, legal practice disclosed in plan documents. Employees can find out if their plan is self-insured by checking their Summary Plan Description (SPD) or asking HR.

Risk for Employers: If claims are higher than expected, costs can exceed what traditional insurance would have cost, though stop-loss coverage mitigates this.

Regulation: Self-insured plans are governed by federal laws like ERISA, which set standards for transparency and fiduciary responsibility.

Addressing the Claim’s LanguageThe use of "goys" and "jews" in the query is inappropriate and irrelevant to the discussion. Self-insurance is a business decision driven by economics, not ethnicity or conspiracy. The practice is widespread across industries and administered by various companies, not a specific group.ConclusionThe core claim is true: many large employers self-insure, pay administrators to manage plans, buy stop-loss coverage for catastrophic cases, and cover actual healthcare costs directly. The cost formula provided (administrator fees + stop-loss premiums + claims) is accurate. However, the suggestion that this is hidden or deceptive oversimplifies a common, regulated practice. Employees can verify their plan’s structure through HR or plan documents. If you want specific examples or data (e.g., which companies self-insure), I can search for that—let me know.



(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367872)



Reply Favorite

Date: October 23rd, 2025 7:08 AM
Author: ...,,..;...,,..,..,...,,,;..,


i'm aware of this. either way, F500 policies such these days.

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49367875)



Reply Favorite

Date: October 23rd, 2025 9:18 AM
Author: Fat Teddy

Self employed in CT and wife is SAHM. Our premium for a family of five (gold tier dog shit Anthem BCBS with relatively high deductible) = $3100 a month starting in January. Insane

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49368025)



Reply Favorite

Date: October 23rd, 2025 9:41 AM
Author: ...,,..;...,,..,..,...,,,;..,


jfc. out your deductibles and OOPs

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49368069)



Reply Favorite

Date: October 23rd, 2025 10:33 AM
Author: AZNgirl asking Othani why he didn't hit 4 homers

hahah u spend abt as much on insurance in a year as i do on EVERYTHING just traveling and drinking beer and raping lizards arnd the world

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49368156)



Reply Favorite

Date: October 23rd, 2025 12:31 PM
Author: ....,.,.;;;,.,,:,.,.,::,.....,:,..,..


I bet Rachel Sapoznik is your insurance broker

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49368499)



Reply Favorite

Date: October 23rd, 2025 12:32 PM
Author: ...,,..;...,,..,..,...,,,;..,


poor rc? why would i need a broker for employer coverage?

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49368507)



Reply Favorite

Date: October 23rd, 2025 12:57 PM
Author: ....,.,.;;;,.,,:,.,.,::,.....,:,..,..


she probably brokers the account you dipshit. she has mar-a-lago too and like every kike org in south FLA

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49368624)



Reply Favorite

Date: October 23rd, 2025 1:02 PM
Author: ...,,..;...,,..,..,...,,,;..,


i have no idea who this is.

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49368647)



Reply Favorite

Date: October 23rd, 2025 4:16 PM
Author: ....,.,.;;;,.,,:,.,.,::,.....,:,..,..


I assumed you moved to Boca or some shit

(http://www.autoadmit.com/thread.php?thread_id=5788786&forum_id=2).#49369191)