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Just as another data point:
I just got our first email regarding open enrollment for health insurance with my employer. My current insurance plan is going to increase about 7% in the next year. That's a little higher than it has increased in previous years, but not dramatically higher.
I bet my pay will increase by about 1% next year. Another year, another opportunity to figure out how to tighten the belt some more.
An interesting new plan option is a very high deductible, low cost plan paired with a pretax medical savings account that will rollover unspent contributions from one year to the next. I wonder if we should gamble on our health?
The family deductible will be $3000/year under the new plan. I wonder how much cheaper the premiums will be? It would have to be at least $250/month cheaper for me to even consider that gamble.
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