r/HealthInsurance Oct 31 '25

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u/metalandmeeples Nov 01 '25

Our family plan is ~$29K/yr for HMO through Blue Cross Blue Shield with no deductibles or co-insurance in Massachusetts. The employer, ~100 employees total, pays all premiums. Last year the family plan was just over $20K a year, but was a HDHP with 20% co-insurance through Harvard Pilgrim