Lets talk health insurance. . . My work insurance isn't as good as it used to be and the premiums keeps climbing. 

Who does everyone use for purchasing their own health insurance? 

Are the health share plans a good option? I don't go to the doctor very often, a yearly lady checkup, and a yearly dermatologist appointment. I take 1 prescription. 

Part of me wants to say screw it and not have any health insurance, but the responsible part of me knows that's probably not a good idea. 

I feel you definately need health insurance. You could get into a car accident on the way home today, and suddenly be stuck with 6 figure hospital bills in a hurry. Chances are, you may never have a serious injury like that .... but what if? In my opionin, you need something for the "what if".

If you don't go to the doctor often, then you might be fine with taking a lower premium but high deductible plan. At least you will have something for the "what if" situations.

The insurance scene just stinks, and it's getting worse every year. And the older you get, the worse it gets because the premiums go up at you age.

Sadly I do not see any end in sight ..... and I work in the healthcare industry.

Health share can be a great option. Like anything the plans vary widely from state to state. If Secera is there look them up. Also Christian Plans are many times a good option. 

Altura is probably the largest. I would see if they are in your state. This is truly an instance where bigger is better. It's a cost "share". One or two people running up large claims could cripple a small group. 

health insurance is not for the I hardly don't ever go to the dr.... or for colds or small things.  like an earlier poster commented, what if a major medical incident hit you - that is what health insurance is for.  you would be left with those big bills.... I would find health insurance.

Many years ago probably 12 years ago, my husband was out checking our cattle, something spooked Coors and he went to bucking.... My the time my husband bailed off - and hit the swells/horn he busted his pelvis.... that was over 100,000 medical bill with a week in the hospital, screws, pins... in  after the operation and after home medical care - we had to get a medical bed, wheelchair, crutches etc.  for he could put no weight on his hips for 3 months.

none........... all we paid as around $200 when said and done.

just a little info.  if you ride - something freaky could happend.  life can happen...

I know I can't go without insurance, as tempting as it is. 

With my lifestyle, horses, ranching, and commuting 65 miles day anything could happen.

I know if I end up in the ER or hospital it'll be something big. 

I currently pay $78.28 every 2 weeks. I think it have a $3500 deductible. $50 co-pay to go to the doctor and a $70 co-pay for specialists. 

The options my employer is giving us is:

Bronze: $55.13 every 2 weeks (23.15 cheaper) $6000 deductible-in network $6350 out of pocket $35 co-pay $60 co-pay for specialists & urgent care. 0% for ER visit, but the deductible must be met before insurance pays

PPO W/ HSA 96.91 every 2 weeks (18.63 more). The company will put $300 in an HSA account. $2800 deductible in network. $5000 out of pocket, no co-pay but 20% of doctor visits and specialists, and 20% of any ER visit. 

PPO 108.19 every 2 weeks (29.91 more). $1000 deductible, $5000 out of pocket $35 co-pay for doctor & specialist. ER is $100 co-pay +20%.

None of it seems great to me, but I have to make a decision by Friday.

I looked at Blue Cross Blue Shield and it's going to cost me a lot more a month to get it on my own. Cigna said I wasn't eligible to enroll. 

I haven't looked into the prescription coverage, I only take 1 and I know it's a generic.

We are Christian Healthcare Ministries members and have been happy with them. Less than a third the cost of health insurance, we're covered for any bill or combination of bills over $500, and the cash price for dr visits is less than what we paid with insurance.   We hardly ever go to the dr so this has worked really well. 

BCBS is more expensive, but I will plug them a little bit, just giving you my case scenario. I don't know our exact plan or price (I'm sure it's not cheap, as I've heard it's definitely more expensive). However the nice thing is is that for the most part with BCBS no matter where you go you can likely find a hospital with coverage. I'm under my moms plan (in ND) and I have since moved to CO, still have great coverage. She's obviously been paying this for a long time and we literally were all SUPER healthy up until about 2 years ago and now we both have some serious medical conditions. I agree health insurance isn't for when you are healthy and fine just remember that it's for when you aren't. I encourage you to check into the plans to ensure if you are traveling what your options are with each plan. But if you don't travel out of state much, probably not as big of a deal

All of those look better than what I'm offering my employees and it still costs me over $15,000/ employee family.  

BTW: I'm really liking the HSA option personally.  Young family, we dont go to the doc much.  

A year ago we went from a $750 deductible to the $3500, that one was tough pill to swallow. 

Usually we don't get a choice just 1 option. 

I grew up with 100% coverage, pay a co-pay and that was it. So now being an adult and paying for my own sucks ha ha

Until January 1st my parents still had that. My dad is a retired mine worker, luckily Trump signed the united mine workers health insurance bill, I'm not sure how good it is but at least they have insurance. 

I'm leaving toward the HSA one too. I rarely go to the doctor. My biggest expense is the dermatologist if they have to cut any spots off, typing that made me feel old!