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.. which is usually capped. So you are covered for minor incidents, but anything above 200k (or whatever the cap is) will completely fuck you up. Because anythi

.. which is usually capped. So you are covered for minor incidents, but anything above 200k (or whatever the cap is) will completely fuck you up. Because anything that will have that much cost will also be something serious enough to incapacitate you for a long time and leave you without income. EU healthcare usually doesn't have cap, nor a deductible of thousands of dollars.

renaudg 10y ago
...and has "preexisting conditions" clauses, right ? This doesn't exist in France.
- ensignavenger 10y ago
  No, there are no per-exisitng conditions clauses anymore.
wooter 10y ago
This is not even remotely true at all. Have you ever looked at a health insurance plan in the US?
xenadu02 10y ago
That's not true. Obamacare eliminated lifetime caps. Small and medium size companies often had $1 million lifetime caps but large companies have negotiating power and typically had no pre-existing condition exclusion periods and no lifetime caps (or something insane like $10 million). Under Obamacare all US health insurance plans have no lifetime caps and no pre-existing condition exclusions.
- tornadoboy55 10y ago
  Obamacare is going to get completely eviscerated by the combination of a Republican President and a Republican Senate..
ensignavenger 10y ago
In addition to the other comments, I wanted to point out that many employers also provide Short Term and Long Term Disability Insurance, which would cover the "incapacitate you for a long time and leave you without income" scenario.
morgante 10y ago
You seem to have no idea how health insurance works. Any good healthcare plan, especially post-ACA, will not have a cap like that. People way overvalue free healthcare. Yes, it would be nice but it's nowhere near worth the salary differential. I pay $160/m for my health care. It's a high deductible plan, but even if I were to reach the deductible every year then my total expenses would be $9,070=(160*12)+7,150. The compensation differential between the US and Europe is way more than $10k.
- maverick_iceman 10y ago
  Absolutely. A lot of people seem to have almost a religious deference for free healthcare. I'm young, disease free so I've only minimal healthcare costs. Losing out >$100K/year on salary in exchange of free healthcare seems like a stupendously bad deal to me.
maverick_iceman 10y ago
Any big tech company in SV offer amazing health insurance. I've never heard anyone say they had rouble with coverage/pre-existing condition/deductible/copay.

renaudg 10y ago

...and has "preexisting conditions" clauses, right ? This doesn't exist in France.

ensignavenger 10y ago
No, there are no per-exisitng conditions clauses anymore.

wooter 10y ago

This is not even remotely true at all. Have you ever looked at a health insurance plan in the US?

xenadu02 10y ago

That's not true. Obamacare eliminated lifetime caps. Small and medium size companies often had $1 million lifetime caps but large companies have negotiating power and typically had no pre-existing condition exclusion periods and no lifetime caps (or something insane like $10 million). Under Obamacare all US health insurance plans have no lifetime caps and no pre-existing condition exclusions.

tornadoboy55 10y ago
Obamacare is going to get completely eviscerated by the combination of a Republican President and a Republican Senate..

ensignavenger 10y ago

In addition to the other comments, I wanted to point out that many employers also provide Short Term and Long Term Disability Insurance, which would cover the "incapacitate you for a long time and leave you without income" scenario.

morgante 10y ago

You seem to have no idea how health insurance works. Any good healthcare plan, especially post-ACA, will not have a cap like that. People way overvalue free healthcare. Yes, it would be nice but it's nowhere near worth the salary differential. I pay $160/m for my health care. It's a high deductible plan, but even if I were to reach the deductible every year then my total expenses would be $9,070=(160*12)+7,150. The compensation differential between the US and Europe is way more than $10k.

maverick_iceman 10y ago
Absolutely. A lot of people seem to have almost a religious deference for free healthcare. I'm young, disease free so I've only minimal healthcare costs. Losing out >$100K/year on salary in exchange of free healthcare seems like a stupendously bad deal to me.

maverick_iceman 10y ago

Any big tech company in SV offer amazing health insurance. I've never heard anyone say they had rouble with coverage/pre-existing condition/deductible/copay.