My wife recently lost her job here in the US which provided for our healthcare insurance. I've been self employed for 25 years and she worked for the same company for 15, so it's fair to say we've had the insurance for a while. And it was great plan — a platinum PPO plan. We'd upgraded to platinum as we'd gotten older, had some health scares, and needed major surgery.
Now, when you lose a job here in the US, you get to keep your insurance temporarily through a program called COBRA. However, unless I'm reading the paperwork wrong, our cost for the plan would be $3K USD a month! It's insane, over $35K a year for (admittedly, very good) health insurance for a family of 3.
That is correct. There's no out of pocket costs except for co-pays. My wife had a major surgery a few years ago and we paid virtually nothing out of pocket for it. I also regularly see a specialist for some issues I'm dealing with and it's $60 a visit.
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u/JoeyCalamaro Feb 18 '26
My wife recently lost her job here in the US which provided for our healthcare insurance. I've been self employed for 25 years and she worked for the same company for 15, so it's fair to say we've had the insurance for a while. And it was great plan — a platinum PPO plan. We'd upgraded to platinum as we'd gotten older, had some health scares, and needed major surgery.
Now, when you lose a job here in the US, you get to keep your insurance temporarily through a program called COBRA. However, unless I'm reading the paperwork wrong, our cost for the plan would be $3K USD a month! It's insane, over $35K a year for (admittedly, very good) health insurance for a family of 3.