It’s possible that the schoo’s group plan had some very expensive people on it, so the cost you were paying then was subsidizing them. Now your individual plan is more appropriate for your health status.
It wasn’t for the school, the plans were offered at the state level. Every teacher had 2 options, 3 if you were there long enough to get the plan with the lower $4K deductible. Otherwise, you could get a plan with a $6K deductible with a $500 premium.
When I left, I found a plan with a deductible below $1K with a ~$300 premium through the same insurance provider.
It’s possible that the schoo’s group plan had some very expensive people on it, so the cost you were paying then was subsidizing them. Now your individual plan is more appropriate for your health status.
It wasn’t for the school, the plans were offered at the state level. Every teacher had 2 options, 3 if you were there long enough to get the plan with the lower $4K deductible. Otherwise, you could get a plan with a $6K deductible with a $500 premium.
When I left, I found a plan with a deductible below $1K with a ~$300 premium through the same insurance provider.