r/HealthInsurance • u/leDanielx2 • Jun 22 '25

Individual/Marketplace Insurance 5 min ER visit cost 1300$

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My wife is expecting. A few months ago, the baby stopped kicking and we got worried. It was hospital after hours, so only the ER was open. After 5 minutes of being in the checkup room baby starts kicking. So altogether a 15 min visit. Cost us 1350. And this is WITH insurance. Our medical system is so freaking broken I don’t understand how we put up with it as a country. What an absolute scam

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u/Awesome_mama Jun 23 '25

Depends on the plan. We have a HDHP and ours is 100% deductible first, not handled via co-pay. So we paythe entire visit cost (last year and ER visit costs us around $5500.00) and it goes towards our deductible.

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u/Independent-Low-5303 Jun 23 '25

Makes sense. You pay deductible then the co pay

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u/Awesome_mama Jun 23 '25

Ours doesn't have any co-pays. It's deductible first, then coinsurance up to the OOPM. We always pay either the full cost of care or a portion of the cost (coinsurance). We essentially have to self-insure via our HSAs since we never know how much any visit will cost ahead of time.

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u/Independent-Low-5303 Jun 23 '25

Got it. Hopefully your premium is on the lower side

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u/Awesome_mama Jun 23 '25

It is, which makes it worthwhile as long as we diligently max our HSAs.