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I'm legitimately shocked by how awful my health insurance benefits options are this year, and curious how others have it in comparison. I'm 10 years into my career and understand that every year it seems to get worse but this year I'm considering looking for jobs due to the health insurance alone. Please let me know if this is as bad as I think, or if you would be looking as well: $300 premium biweekly $ 7,000 family deductible, 3500 individual No ER copay and denial of claims if company determines after the fact that it was not a true emergency with no published criteria of what an emergency is $1,000 contribution to HSA No coverage until deductible 10% coinsurance after deductible is met
Mines $101 biweekly $500 deductible, $2500 out of pocket max. No HSA. It’s worth to note that this plan is just for me. I work in the financial industry in the Midwest. My old plan at the last bank I worked at was $50 biweekly, $1,500 deductible, $3500 out of pocket max, with $500 HSA contribution.
😮😮😮
You need to understand that premium varies based on employee + spouse or just employee or employee + family. OP, who is your employer? For us, its 190 bimonthly for family.
Yeah, the 300 is for a family. Employer is Optum
What is your out of pocket maximum? Except for BigTech, I dont think insurance plans are great elsewhere. Your plan is not much worse than the one I had.
$14,000
worse than our current plan
That's significantly worse than our hsa option at zymergen
35 per pay period for our best plan. Just me not family. Good coverage but I don't know specifically deductables.
Mine is ~$139 semi-monthly with $3500 deductible. No HSA. This is the best option my company offer.
Sounds 100% better to me!