I heard MS has $0 medical premiums, even for couples and families. Is this true? At Amazon, we pay $75-$350 a month depending on partner status/family, etc.
TIL amazon doesn't even provide full medical. I know you guys were frugal but damn.
I have had a lot of jobs and never had one cover 100%. Always had to pay some premium.
Which companies? I've never had to pay a premium. I think one of my start ups only covered 85% of spouse but don't recall exactly (I'm single)
What is your deducts for single Vs family at MS?
No deduction for you+spouse, I think. There's some deduction once there are children, but I don't think it's very big.
Are you using HMO? The HSA plan is $1500 deductible for single, $2500 w/ spouse, and $3750 with one or more kids. Microsoft puts about half that in on your behalf, paid in 2 installments.
There's a $75/month premium if your spouse is eligible for other employer insurance. The deductibles are very low after considering MSFTs contribution to your HSA. $1500-$1000=$500 (in pretax dollars!) for a single person. MS contributes more if you have more people covered.
What is the deductible and can employees choose to increase HsA contributions up to IRS max of $6.65k
$75 per pay period, so $150/mo
Family deductible is 3750, but Microsoft contributes 2000 towards HSA. So in reality, you have deductible of 1750 with 0 premium. After the deductible is met, your copay is 10%
That's not the premera plan. 6250 deductible (really 3750 since ms gives you 2500) once you hit the deductible it's 100% complete coverage the rest of the year with no premiums. Believe me, I hit the full amount every year and they cover another 400k for my families medical costs each year.
That's the deductible. There is a difference between deductible and max out of pocket. The deductible is 3750, whereas max out of pocket is 6250
at Tableau I pay 150$ a month for whole family 600$ out of pocket limit a year - no co-insurance. for a single person there is no premium
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yes, the company also give $1000+ in our HSA every year