Question? How much do you pay a month for all your insurance?

[leftyladyfrommo]

I pay more for insurance than just about everything else combined. But I have a small house payment and I drive a small care. And I have to pay for my own health insurance.

I have health insurance, dental insurance, business insurance, car insurance, life insurance, home insurance and a little special hospital insurance plan.

I pay and pay and pay and yet I never use any of my insurance. You would think that I should get some kind of break.

My medical has a $1500 deductible and I am really healthy so I don't use it. My dental is new and really won't pay for anything much until year 3. I think my pet sitting business insurance is about $300 a year. My homeowners is about $400 a year. Health is $300 a month. Car is about $115 a month.

I am getting killed.

[Hepburn]

Auto, home & health only....

...not much, but that is because I have free health insurance provided to me because of a job my late husband had years ago, he wanted to leave, they did not want him to leave (in fact, basically begged him to stay), and one of the goodies in his severance package was med ins for the both of us paid by his former employer. But for this, I would be up shit creek on that expense.

[alfredo]

1. My health insurance is 25% of my monthly income.

[NMDemDist2]

2. let's see

$850 homeowers a year, cars are $1050 (for 2) medical/vision/dental through hubby's work for both of us runs $832 so total a year is around $2750 but we are lucky, we went without health insurance for years until hubby got this new job the first of the year

[flvegan]

3. I think around $600/mo (rough guess)

Homeowners (Florida, ugh), auto, health, disability and life. I'm displeased with that amount, but thankful because it could be much, much worse.

[Squatch]

4. Zero...I'm in the military

[sergeiAK]

8. Were I paying for my health insurance: ~$200

I'm not paying for health insurance at the moment (student, covered by parents).

Auto ~$115
Renter's ~$40
Health (from companies in my field, looking for new hires) ~$50

Oops. Meant to reply to OP.

[BOSSHOG]

9. Dontcha have auto insurance?

I have tricare standard as a retiree and fortunately have not needed it since I retired. Make sure you spend sometime scoping out their insurance options before you retire. There's lots of decisions to be made.

[Squatch]

11. I've been with USAA since 1994

I pay about $90 a month for 2 cars and a motorcycle.

[BOSSHOG]

29. Lordy

isn't USAA the most customer focused organization on the planet? Love em.

[Squatch]

34. Absolutely. Though they're not the cheapest in all areas

their customer service is WELL worth the extra cost. :thumbsup:

[MaryCeleste]

26. Nothing for your car or home?

I am retired military and still had to pay those (substitute renters for home sometimes)

[Squatch]

27. I misread the OP...

and then answered the question more fully when Bosshog asked me.

[BOSSHOG]

5. I almost hated to look

- homeowners - 96 per month
- two autos - 141 per month

I don't know offhand what my wife's health insurance cost is. She has Blue Cross and Shield from work and they have treated us rather well. I also have Tricare insurance, I have the standard so there is no monthly cost.

We were far enough north of the gulf to not be negatively effected by the exorbitant homeowners increases which came about after the hurricane. Some folks south of here are getting killed with homeowners increases.

[mike_c]

6. you're getting killed because insurance companies are supposed...

...to indemnify you against risk. That SHOULD mean that the insurance company accepts the risk-- something worth paying for if the risk is great enough. But these days many insurance companies operate more like public utilities-- guaranteed a set return on investment-- than like risk takers. Their business model seeks to avoid risk by transferring the costs back to their customers, denying benefits to risky customers, or simply kicking customers off their rolls when they become risky.

[proud2BlibKansan]

7. Wow I had never really thought about it before

But I probably DO spend more on insurance, even though my employer paid health plan only costs me $10 a month. But between car insurance and homeowners, plus disability and life insurance, I probably pay about as much as my car payment every month. House is paid for.

[FreakinDJ]

10. $889 per month too much

That is Health only

[scorpiogirl]

12. About $900/mo

$682 for health/dental/vision and about $220 for auto.

[leftofthedial]

13. $650

[TCJ70]

14. About $120 n/t

[nolabels]

15. My employer pays for our health insurance (big chunk of change)

It costs about them about $950. a month. Our family of four has a total insurance bill of about $1600. a month if you factor what our employers pay. That combined bill comes pretty close to size of our mortgage payment. Yea, insurance companies are crooks, so what's the point?

[dysfunctional press]

16. that's the cost of freedom in a litigious society.

america the beautiful.

[Lars39]

20. Or the price of the insurance companies playing the stock market.

[ayeshahaqqiqa]

17. Hmmm

auto insurance is around $500 a year for one car with only the minimum

AFLAC is around $80

No health insurance--no house insurance

[eilen]

18. I pay only for auto, house and life insurance right now

because we get health insurance from his union. I don't know if I should include the union dues and deductibles etc. But annually we pay about $400 for homeowners, $700 for 2 vehicles, $220 for a term policy, $275 for a whole life policy. I'm job hunting now so this might change because his union has a working spouse rule in regard to the health insurance. If I work fulltime and my employer offers health insurance and pays for half the policy, I have to take it because the union policy won't cover me.

[AlCzervik]

19. Auto is $750 a year, health care for 3 about $4,000 a year, homewoners about $1600 a year.

my car insurance actually went down by $50 a month when i got rid of my Honda.

[RebelOne]

21. My health insurance through my employer is less than $100 a month.

It includes dental, eye care, medical and life insurance. My auto insurance is less than $600 a year and insurance on my mobile home is less than $300 a year. I also have pet insurance on my dog which is $57 a month. I am fortunate that I own my mobile home and the lot rent, including water and garbage pickup, is $320 a month. My car is paid off. I declared a Chapter 13 bankruptcy last April, so I am paying the court $680 a month. I have no other bills other than utilities, satellite TV and Internet. I am working full-time and collecting social security, so I am doing OK.

[InkAddict]

22. Rough guesstimate:

about $400 monthly:

healthcare,vision - $225 - wage deduction
life - $75 - wage deduction
car - $65
renters - $23

Course, then there's FICA.

[sinkingfeeling]

23. Close to $800 a month for all types of insurance.

[DaveJ]

24. We were paying the same as you in car insurance

But my wife had a minor accident which did not cost the insurance company much of anything, maybe nothing, yet they still used it as a reason to raise it another $45 per month.

So we are paying MORE for an accident by having insurance, than if we'd just payed for the accident in cash.

[Coyote_Bandit]

25. Let's see....

Homeowner's insurance and auto insurance combined about $3500 annually. Health insurance is also about $3500 annually. No dental insurance. No coverage for optical or hearing impairments even though I can claim disabilities with respect to both. No business liability coverage for the small amount of consulting work I do. No coverage available. I don't have any documented health issues. My credit record is good and so is my driving record. That's $7000 annually.

Now add property taxes. Over $1500 annually for a home valued at about $120,000. I use a city park that has yet to have broken tree limbs removed from the early December ice storm and I drive on city streets that are ranked among the worst in the nation.

ANd the electric company wants to add a monthly charge just under $2 per month for the next 5 years to pay the expenses resulting from the ice storm cleanup. Why the fuck can't they take that out of profits? Don't even ask about cable or phone providers.

I don't have much debt. I live a frugal lifestyle. I haven't filed a health insurance claim in at least 15 years. The only homeowner's claim I have ever filed was for hail damage resulting from baseball size hail - and that was over five years ago. I haven't had an at fault auto accident in over 20 years - or any auto accident in over five years. I've never been involved in an auto accident as an adult that produced injuries or combined property damage over $5000.

I'm getting fleeced here - and not just by the insurance companies. I'm tired of sacrificing my own quality of life to subsidize greedy pricks.

[DadOf2LittleAngels]

28. Fortunatly Ive got decent health coverage

Car: 70 a month
Home: 100 a month
Health: 100 a month out of my check

[doni_georgia]

30. Husband's company pays for our medical

We have excellent medical - $10 co-pay, $50 co-pay for emergency, $100 for hospital stays. Most hostpitals and doctors in our area accepts our insurance - not an HMO. Vision is covered 100% for exams and glasses once a year up to $115 for frames - lens are covered 100%. Three of the five of us wear glasses, and I don't believe we have ever paid a penny out of pocket. I know we are very fortunate.

I think we pay $60 a month for our kids' dental through my employer, because their dentist isn't on his DMO.

We pay $180 a month in auto insurance. Our homeowners is $300+ a year, but included in the housenote, so I couldn't tell you exactly how much per month.

[SeattleGirl]

31. Medical and auto: Over $500 a month. And next month,

my health insurance premium goes up over $100 a month. x(

[Cleita]

32. You are really going to love your health insurance when you do

need it. :sarcasm: First you will find out the deductible only covers what the insurance considers covered expenses and for the amount they approve, which means you could pay $3,000 in medical bills but are only covered for $1,500 to meet the deductible. If you have a chronic condition that $1,500 kicks in every year. Of course then the insurance pays about 80% and you have a 20% copay. So you will find that you end up paying for the insurance premiums and for your medical expenses out of pocket most of the time. I found out back when I was in the same place, it was cheaper not to have health insurance and to pay my medical bills up front. I kept my fingers crossed that my health would hold out until I qualified for Medicare.

Single payer universal health care is what we need. You pay something into it whether you use it or not but when you need it, there are no strings attached or other money needed to get your health care.

On edit: I forgot to add that your premium goes up as you get older whether you use your insurance or not. If you do get a chronic condition your premium really will go up or you might not get coverage for that condition. What's the point of health insurance then?

[Mugu]

33. I'm in the same boat.

Insurance is by far my largest non-tax expense.

Regards, Mugu