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Yes. It disrupts market forces that may exist. As employee you have pretty much no choice and the incentives for employees and employees are totally different.
by maxxxxx 7y ago
Yes. It disrupts market forces that may exist. As employee you have pretty much no choice and the incentives for employees and employees are totally different.
- s_y_n_t_a_x 7y agoYou do have a choice of the plan as an employee usually. And the employer made the choice on the best provider they could get at the best wholesale price. The employer is incentivized to get the best provider for the best price to attract employees. Employers shop for insurance, employees shop for jobs with the perks they want (pay, insurance coverage, etc). EDIT: you're usually given a packet before accepting a job that goes over their healthcare plans. At least in the two instances I have been in the job market, I was. And it's good for the employer to pick a plan that has the best coverage for the best value because they want to attract employees to them over their competitor.
- maxxxxx 7y ago“employer made the choice on the best provider they could get at the best wholesale price.” Best for the employer, not for the employee. In addition when you start a job you can’t really evaluate health insurance choices.