State by state waste to taxpayers!

Alabama Total Family Premium $18,060 with an out of pocket of $18,900 per year.

 The state funding rate is a funding mechanism established by the Alabama Legislature to help fund the state health plan. The rate is a dollar amount paid monthly by state agencies for each active fulltime employee. The state funding rate is $1005 per employee per month. 

Alaska does not publish the taxpayers cost of the plan. At lease we could not find it, so we had to use the cobra premium which are 102% of the total. We subtracted 2% to get the taxpayer cost.  Total cost is $45,207 with a family out of pocket of $3,500.  You have to go to page 29 of the 197 pages to find the out-of-pocket costs.

Arizona seems to have one of the better managed state plans.  the premiums are significantly lower than most states, but they do have a substantial out of pocket for the family of $14,700.  Page 7 of the outline. Total cost of Arizona plan $10,535

Arkansas at least makes the cost of the plan easy to find.  The are one of the few states that makes the information easy to find.

Total cost for family a insurance plan for the state $23,314 a year. that comes with a family out of pocket $6,000.  The drawback to this plan there is not max out of pocket for going out of network so be careful. 40% could be a lot. 

California has a bunch of different negotiated costs for the plans with several different organizations.  (Shocking we know). So, we used one specific organization, but the rates are all in the same ballpark so to speak. Total cost for the plan we looked at is still $31,877.40 With a Family max out of pocket of $3,000.  Its important to point out that this is an HMO so there is no out of network coverage. 

Outline of age-based tax credits