My sister's company health insurance is $750 a month. She and her husband are expecting a baby in Sept. Help!!

Question

They are afraid the insurance will be $900 or more a month after the baby. Does anyone have any insurance ideas for this young family? I please need insurance options not comments like: Get a new job. Thanks!

Answer 1

Just do some research on line.

Not trying to be a jerk, but there is a ton of info out there. We can't help you very much without a lot of personal info.

it took me about 30 sec to find this info, it starts at just over $100/mo, and I used a 23yr old guy, 22yr old gal and a newborn baby. So this is for a family of 3.

http://www.ehealthinsurance.com/ehi/Quot...

Answer 2

There may be government assistance programs available to them. They should look for them, and if they find any, apply. I don't mean to sound unkind, but it seems they should've kept the cost of health insurance in mind before concieving. Sometimes you have to think things through. There are other options, however. Maybe your sister can discuss this situation with her boss and attempt to negotiate something. If you can afford it, maybe you can give them a small lift financially. Altogether, I'd imagine they can take good care of this baby until then. Best wishes.

Answer 3

Their employer plan will be what it will be.  They can't change that.  The only other option is to opt out and purchase individual plans, but that will likely be costlier.

Answer 4

If they're on the family plan, then they could have 12 kids, and it won't increase.  

If they have two individual plans, they probably need a family plan.  

No one here knows how much their employer contributes towards the plan.  I can tell you, the average family plan costs $1200 a month.  But most of the time, the employer picks up some of it.  

She's going to have to talk to her HR department, to see IF there is a price change, after the baby.  

It's kind of like, what color socks she's wearing today.  No one here has a CLUE.   She has to look into it herself.

Answer 5

They can try to get a quote for individual coverage.  They can start checking with local agents to see.

However, they should also be aware that they are likely to get less coverage for the same or higher premium than they are currently paying.  I wouldn't expect them to save a whole lot of money that way, but a local agent would best be able to give them quotes for your area.

Also...something to keep in mind...they won't be able to purchase an individual, private policy for the baby right away.  There will be a waiting period to determine whether the baby was born with any serious health conditions.

So, one way or the other, they'll need to add the baby on the  employer's plan at least through the next open enrollment period (where they'll have the option to drop coverage then).  Unless, of course, they plan to have the baby go without coverage until he/she qualifies for an individual plan...I wouldn't recommend that though - taking an unnecessary risk with the baby's health/medical care.