On my end...here are the rough numbers:
- According to my employer, they pay roughly 85% of my healthcare cost (i'm sure for me it is a bit less since I do not actively strive for some extra cash offered for reducing my health risks (weight loss))
- I use the POS plan (it is not an HMO; I choose my doctors (in the network), I go to a specialist when I want (in the network), etc)
- Co-pay for General Practitioner goes from $25/visit to $30/visit
- Co-pay for Specialist goes from $40/visit to $45/visit
- Medical premium goes up $0.75/mo (Deductible went from $800 to $850) (it is odd, but the annual difference in premium for the lower deductible vs the higher deductible is actually higher than the difference of the deductibles. This has been the case for nearly a decade)
- Dental premium goes up $1.50/mo
From what I have been told, my company is self-insured and the "insurance company" is just an administrator of the plan.