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It won't be long before employers start rolling out their options for 2013 insurance selections.  This always seems to go very well with Halloween as most of the past few years have been, well, simply frightening.

Last year wasn't bad.  In fact, my employer didn't raise anything at all, agreeing to keep all costs the same.  Before we laud their generosity, keep in mind that they essentially doubled the out of pocket costs on premiums, co-pays, and pretty much everything the year prior.  This was met with uproar across the company where the CEO had to have town halls to try to quell the storm.  So, after increasing costs 100%, a 0% cost increase was nice, but it still stung.

We reduced our costs a little more last year by switching to a slightly less costly plan.  This did offer less coverage, but this was fine as we weren't expecting any major medical costs, which we did have in 2011 with the birth of our daughter.

My guess is that the 0% increase won't hold for a second year.  So, even if we stick with the less costly plan, we should see our costs go up a bit.  This will be a bummer, as we used the slight savings by switching plans to bump our retirement contribution by a percentage point.  If they were to increase our contribution costs, we might have to roll that back unless they grant raises.

Raises?  Yeah, something we haven't seen in a few years and since they haven't made any announcements at all, I'm guessing we won't either.  This is the joy of your company being owned by a venture capital firm.  They really don't give a darn about sharing a single buck with employees.

They're supposedly looking at spinning us off sometime soon, which could mean that new ownership would be a little more receptive to employee satisfaction and retention, things that are suffering but frankly, the current ownership doesn't care much about.

But, I digress.

The only other option to reduce costs would be to go towards a high deductible, health savings plan.  With this the premium costs sink but you pay most of your costs out of pocket.  In a normal year with no emergencies, this would definitely save some bucks, but the question is always how risky do you want to be, especially with a couple of small children?

It will be interesting for sure.  On one hand I'm not excited at all to see the 2013 options because I'm 99% sure it will increase our costs, but on the other hand, I'm always about planning and knowing what's coming, so I'm still anxious to see when they release the information.

What do you think is coming for your 2013 health costs?