Health insurance cost for residents

[cbrons]

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Seeing a lot of variability in how much resident pays for health insurance for spouse and family


For residents out there with families, how much do you pay per month for health insurance and what kind of deductable do you have?

One place I interviewed, I checked the cost of insurance for my wife and 2 kids. Apparently on a $51k/year salary, they want $800 per month for health insurance (not including vision). When i found that out, I nearly cursed them out. Im not going to be a physician working at a place where I cant even afford health insurance for my family.

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[WheezyBaby]

Included as a benefit, deductible negligible. Frees up a lot of $

 

[WinslowPringle]

~50k/year salary starting goes up by 2k/year, had two plan options (high/low deductible). Went low deductible, $500/month for family plan for health and dental.

A lot of residencies will post this info on their residency website, too.

 

[3lefts]

Bump! I wish more programs explicitly stated how much it costs to cover a resident+family on their salary/benefits page. It's one thing to mention dependents are covered, but if the premium is prohibitively expensive and the deductible is sky high, that could make the difference between a location being financially tenable or not.

 

[NickNaylor]

I pay about $500/month for me and a spouse. This year, our hospital system added a $100/month fee if you choose to add a dependent that could get health insurance elsewhere through their own employer if they are not employed by the hospital, so I’m now paying $600/month total for me and the wife. I’ve seen my premiums go up by about 50% since starting residency. And for all of these fantastic fees, the only tier I system is the county hospital system that I work at for which it is essentially impossible to be seen in any clinic in a reasonable amount of time. We’re fortunate in that neither of us has any meaningful medical problems, so we don’t actually utilize any healthcare services to any meaningful degree - and for what we do use, we just eat the higher deductible to go with a tier II provider (e.g., my wife’s OBGYN visits).

**** you, county hospital.