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T... |
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ilya m | How much is fair for employee health insurance contribution? |
My company used-to pay 100% of employee and family health premium. Now, they're asking the employees to contribute, $125/mo for employee, $400/mo for employee+family. They're giving a 1 month notice. Is this fair? Thanks! |
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zippythejessi
|
That's totally fair - in fact, dirt cheap! (My insurance is $400 a month just for ME. Many family plans are in the neighborhood of twice that.) Most companies do ask for employee contribution - some have the employee pay it all. In today's world, it's VERY rare to not have employees contribute something. |
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Insurance Biz CT
 |
30-days notice is sufficient notice in most states to notify employees of changes in benefits and contribution. Most employers are struggling with managing the increasing cost of health coverage. How much can they increase their prices to afford the double-digit increases in health insurance cost while still remaining competitive?
Most employers are looking at their contribution strategies, or their level of benefits provided. If they don't want to decrease the benefits (increasing copays, deductibles) the only way to keep the benefits is to pass on more of the monthly cost to employees. There are many employers out there who are cancelling their group plans, as a last resort. This is not a great alternative for employees, as some states' laws allow insurance companies to decline coverage or exclude coverage due to pre-existing conditions.
It could be worse! |
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mamatohaley+1
 |
That sucks that they are giving such small notice but thank God they are still paying something!! |
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Gem
 |
Is it fair that our insurance coverage has more than tripled in less than 5 years?
We used to pay $600 a month (in 2002) to insure 4 employees, now it is $1900 a month. How is that fair?
We are seriously considering canceling our plan and giving the employees a couple hundred bucks a month to find their own.
Reality of the new world order. |
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mommyme
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well probably not, but if you want insurance its what you have to do. Medical care is outrageous. When I had a baby the bill (I do have insurance but I saw the charges) was something like $16,000.00 |
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mbrcatz
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Sure it is, they don't HAVE to give you any contribution at all!! If you don't like it, feel free to find another job - but I don't know ANY companies that pay 100%, unless you're an NEA member. Only public employees get 100% paid. |
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AZBlue
|
This seems very fair, especially the family rate. Most companies do not pay toward the family premium, and many pay for half the employee rate only. Your company is most likely contributing over half the real cost, possibly two-thirds, based on the figures you have mentioned. |
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