What are typical premiums for family health insurance coverage? When employers pay health insurance.?

What is the typical portion of the premium paid by employees when their employers provide group health insurance? Are there additional premiums for dental and vision coverage?


How do employers calcuate what portion the employee pays?

What are typical premiums for family health insurance coverage? When employers pay health insurance.?
With my insurance I pay 20% of the premium, company pays 80%. Dental insurance is the same. Now, my husbands company pays his 100% and any dependents 80%(vision and dental included). It varies quite a bit from job to job.





Something quite nice that some companies do it "match" your deductible. Say your deductible is $600 per year. Then the company will pay $300 and you pay the other $300.





How they calculate it usually has to do with the amount each insurance would affect your pay check, or the paycheck of an average employee. What good would it do to offer coverage if they made you pay 80% and your paycheck ended up $50 a week to live on? They try to see what is the most comfortable amount for them to pay and the most comfortable you can pay to make everyone happy, and to make their benefits package more desirable. Hope this helps.
Reply:Generally, medical insurance premiums are based on a variety of factors - coverage, usage, demographics of the workforce (age, sex, single/ married, etc) and could range from $ 750 - $1200/ month/ employee. Dental and vision (usually an employee option) coverage could add another $200 - $400 per month.





Usually, an employee will pay a percentage of the premium - 10% - 40% for medical, and depending on the employer, 30% - 60% for Dental. Percentages are used simply because there is no re-calculation necessary when premiums change.





Employer's look at various factors when determining the employee's co-share of premiums - competitor practice, financial viability of the company, amount of usage, and the like.





In some cases, employers give the employees a choice of reduced benefits, without co-share, or regular plan with co-share.





Currently, there is a trend to control costs by providing the employee with more control over his/her usage. The company offers a "catastrophic plan" which covers major hospitalization, doctors, surgeons, lab and supply charges, with little/ no c-share deductions. The employee has the option of "shopping" for additional, supplementary coverage, such as office visits, prescription drugs, preventative "out-patient" lab tests, ambulance, x-rays, etc. for which the employee pays with "pre-tax" deductions. In the event, the monies in the employee's account is not used, whatever is left is forfeited.
Reply:depends on the policy

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