MAX01,
There have been a couple of price increases during the year since your last renewal date. Also, your 26 yr old is now classed as a full paying adult
so any previous 'young adult' price reduction has now finished. The 24 yr old is moving up the 'young adult' ladder price wise so they are getting nearer every year to the full adult price.
At the moment, it is a bit early to choose as, in early December 2016 the full list of price changes for January 2017 will be put up on the HIA website.
For yourselves, there is a good alternative with Glohealth called 'Kick Off Plus' price 866pa from 1 Dec 2016. This plan covers public, private and Beacon hospital with an excess of 300 per private admission. Day case excess 75 per visit. Note; Mater Private and Blackrock Clinic are not covered
on this plan.
An identical plan to Flex 250 Explore at a lower price is Laya Flex 375 Explore( with higher excesses). It is unclear what price will apply for January 2017. Just 2 options to keep in mind while waiting for more information from the Health Insurance Authority.
[broken link removed]
Alternative options for your adult children will be clear from early December, so it would be best to wait until then before deciding overall.
Snowyb