Quote Originally Posted by DJD View Post
We change providers every year or two at the shop. They pay for employees and we pay for spouse or family plans but I never participated in the family plans because it was crazy high! I pay for my older daughters plan on my own with a high deductible plan and it was a tenth of what the chosen plan was at the office.....I was told it was because of the health history of the people participating in the plan and again I feel it's like we are being punished based on others. My daughters insurance goes up as she reaches certain age milestones, more risk about pregnancy and cancer I guess.
You're RIGHT...the CLAIMS experience of ANY group determines the premiums for that group.

Your policy and an exact same policy against a healthier group will have significant difference in cost. It has ALWAYS been that way, and will always be that way, even under OBAMACARE.

later,

gEo