Let's talk employee benefits...(mainly medical insurance)

[GeorgeG.]

The cheapest Obummer care plan is expected to cost about $20K a year.

Holy shit! Do you have a link with that info? The wife is thinking about passing on my work plan and waiting for the government plans. I'm trying to explain to her that no one knows how much that is going to cost.

The first year penalty would be cheaper but I was told by our hr dept that it will go up each year.

[2011GT]

Don't forget you insurance that your company provided portion will now be taxed as income

[BP]

The cheapest Obummer care plan is expected to cost about $20K a year.

Yeah but as long as you make about $10 an hour and have a family of 3 you'll get a tax credit to cover most of it.

[line-em-up]

Holy shit! Do you have a link with that info? The wife is thinking about passing on my work plan and waiting for the government plans. I'm trying to explain to her that no one knows how much that is going to cost.

The first year penalty would be cheaper but I was told by our hr dept that it will go up each year.

It is actually a projection for 2016, but that will be here too soon.

http://www.newsmax.com/TheWire/irs-obamacare-cost-family/2013/02/01/id/488519

Of course, now there are others trying to dispute it.

http://obamacarefacts.com/irs-average-family-20,000-insurance-obamacare.php

[The King]

Don't forget you insurance that your company provided portion will now be taxed as income

Not just yet, but that could easily happen.

[line-em-up]

Yeah but as long as you make about $10 an hour and have a family of 3 you'll get a tax credit to cover most of it.

Sure, if I want to go back to barely surviving and living one step away from being homeless. But, if I choose to work hard and with luck, provide a decent living for my family, I am required to hand over money I don't have so that the losers can get their healthcare for free or at least subsidized.

[line-em-up]

Not just yet, but that could easily happen.

That was their original plan, along with forcing you to pay for your 26 year kids' insurance. You see. It's not as bad as we thought it was going to be.

[BP]

Don't forget you insurance that your company provided portion will now be taxed as income

There isn't anything on the books currently saying it'll be taxed but it's only a matter of time before congress decides it needs to provide car insurance for homeless people or something and they'll change the laws.

[Chili]

Leah has always said that teacher benefits suck ass..

My annual premiums are just over $7k a year for a buy-up PPO plan. No referrals needed for specialists, etc. Copays are $20 for PCP and Specialists, $50 for Urgent Care, $250 for ER (just went up this month). In network family deductible is $750, out of network is $1500.

That is for medical, dental and vision..

[Forever_frost]

Our best plan works out to about $620 a month for family+spouse, $1200 dedcuctible, $25 copays.

Thankfully I'm already getting Tricare though, cost is $0.

Yep, Tricare Standard is zero and 12 dollar office visits and 3k cap

[GeorgeG.]

copied from healthcare.gov

"The fee in 2014 and beyond

The fee in 2014 is 1% of your yearly income or $95 per person for the year, whichever is higher. The fee increases every year. In 2016 it is 2.5% of income or $695 per person, whichever is higher.

In 2014 the fee for uninsured children is $47.50 per child. The most a family would have to pay in 2014 is $285.

It's important to remember that someone who pays the fee won't get any health insurance coverage. They still will be responsible for 100% of the cost of their medical care.

After open enrollment ends on March 31, 2014, they won't be able to get health coverage through the Marketplace until the next annual enrollment period, unless they have a qualifying life event."



I've been considering looking for a new job early next year since I could make more money anyway...this benefits crap may have just sealed the deal.

[8mpg]

I pay $0/month for me. $10 office copay, $20 specialist.. I work for the state.

[Chuck_Finley]

I'm not in the industry or anything, but health insurance is something I've always stay up-to-date on for the last 20 years. I'll just say this: damn near every single school district in the state of Texas has some of the worst health insurance coverage I've ever seen, and that includes before Obamacare even came around. This is usually because the school district, or in the OP's case the charter school, usually contributes very little toward the overall monthly premium. For example, family coverage total premium is $1500/month? School district might pay $500 of that premium, the rest is up to you the employee.

So combine shitty medical coverage with most school districts, the TRS retirement plan that is I believe the worst among all public retirement plans in the state in terms of funding, and even the TRS health coverage isn't the greatest either. So keep that in mind if you decide to look for a job elsewhere.

[GeorgeG.]

Thanks for the info...I was pretty surprised when I was informed (upon hiring) that my usual withholdings are not contributed to social security but rather TRS.... AND, if I leave before 5 years...that money will not be available when I retire; I simply lose it.

Thankfully I'm a system/network admin so I have plenty of options outside of the education/non-profit sector. While I have earned a new respect for educators and for what they do...I'll never understand why they choose to do it.