2011: 2 adults
$3,000 family deductible =$3,422/year premium
$6,000 family deductible = $2,743/year premium
$8,000 family deductible = $2,442/year premium
$10,000 family deductible = $2,061/year premium
2012: 2 adults, 1 child
$3,000 family deductible =$5,414/year premium
$6,000 family deductible = $4,333/year premium
$8,000 family deductible = $3,852/year premium
$10,000 family deductible = $3,269/year premium
2013: 2 adults, 1 child
$3,000 family deductible =$6,723/year premium
$6,000 family deductible = $5,424/year premium
$8,000 family deductible = $4,840/year premium
$10,000 family deductible = $4,131/year premium
2014: 2 adults, 2 children
$3,000 family deductible =$9,856/year premium
$6,000 family deductible = $7,993/year premium
$8,000 family deductible = $7,156/year premium
$10,000 family deductible = $6,140/year premium
2015: 2 adults, 2 children
$3,000 family deductible =$11,969/year premium
$6,000 family deductible = $9.668/year premium
$8,000 family deductible = $8,633/year premium
$10,000 family deductible = $7,376/year premium
2016: 2 adults, 2 children
$3,000 family deductible =$13,378/year premium
$6,000 family deductible = $10,778/year premium
$8,000 family deductible = $9,610/year premium
$10,000 family deductible = $8,191/year premium
2017: 2 adults, 2 children
$3,000 family deductible =$14,164/year premium
$6,000 family deductible = $11,390/year premium
$8,000 family deductible = $10,143/year premium
$10,000 family deductible = $8,630/year premium
2018: 2 adults, 3 children
$3,000 family deductible =$19,385/year premium
$6,000 family deductible = $15,577/year premium
$8,000 family deductible = $13,865/year premium
$10,000 family deductible = $11,788/year premium
I had a $3,000 family deductible HSA until last year when the increase was so high that I shifted to a $10K.
I don't see how the lower deductible plans make any sense.
My 2019 renewal options for 2 adults, 3 children are:
$3,000 deductible =$22,356/year premium
$6,000 deductible = $17,952/year premium
$8,000 deductible = $15,972/year premium
$10,000 deductible = $13,572/year premium
2020: 2 adults, 3 children
$1,500/person deductible/$3,000 family deductible =$25,038/year premium (+12%)
$3,000/person deductible/$6,000 family deductible = $20,093/year premium (+11.9%)
$4,000/person deductible/$8,000 family deductible= $17,871/year premium (+11.9%)
$5,000/person deductible/$10,000 family deductible = $15,174/year premium (+11.8%)
2021: 2 adults, 4 children
$1,500/person deductible/$3,000 family deductible =$27,210/year premium (+8.7%)
$3,000/person deductible/$6,000 family deductible = $21,829/year premium (+8.6%)
$4,000/person deductible/$8,000 family deductible= $19,411/year premium (+8.6%)
$5,000/person deductible/$10,000 family deductible = $16,476/year premium (+8.6%)
Added past decade of pricing. To be fair, 4 kids are now included (plan stops increasing costs after 3 kids), but here's the insane percentage increases from 2021 vs 2011:
$1,500/person deductible/$3,000 family deductible =$27,210/year premium (+695%)
$3,000/person deductible/$6,000 family deductible = $21,829/year premium (+696%)
$4,000/person deductible/$8,000 family deductible= $19,411/year premium (+695%)
$5,000/person deductible/$10,000 family deductible = $16,476/year premium (+699%)
How is this sustainable?!?
2022: 2 adults, 4 children
$1,500/person deductible/$3,000 family deductible =$28,593/year premium (+5.1% vs 2021, +736% vs 2011)
$3,000/person deductible/$6,000 family deductible = $22,927/year premium (+5% vs 2021, +736% vs 2011)
$4,000/person deductible/$8,000 family deductible= $20,380/year premium (+5% vs 2021, +735% vs 2011)
$5,000/person deductible/$10,000 family deductible = $17,289/year premium (+4.9% vs 2021, +739% vs 2011)
2023: 2 adults, 4 children
$1,500/person deductible/$3,000 family deductible =$30,320/year premium (+6% vs 2021, +786% vs 2011)
$3,000/person deductible/$6,000 family deductible = $24,306/year premium (+6% vs 2021, +786% vs 2011)
$4,000/person deductible/$8,000 family deductible= $21,597/year premium (+6% vs 2021, +784% vs 2011)
$5,000/person deductible/$10,000 family deductible = $18,314/year premium (+5.9% vs 2021, +786% vs 2011)