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While I agree about the culture glorifying overwork (recent post on HN) and the difficulty of using health care / PTO at times, numerically my employer-backed h

While I agree about the culture glorifying overwork (recent post on HN) and the difficulty of using health care / PTO at times, numerically my employer-backed health care plan is actually quite generous. My $0 premium health care plan has only a $2000 deductible, $6000 out of pocket max, 20% coinsurance for “big” procedures, $10 copay (regardless of deductible) for primary care, and I actually get PAID a $500 yearly health stipend for going to the gym. On the other hand, I’m a 22 year old male who goes to the gym several times a week, eats home-cooked nutritious and healthy food, and works a desk job so... Edited: Copay is deductible-agnostic

Broken_Hippo 5y ago
My tax rate here in Norway is less than my federal tax, state tax, and insurance premiums were in the states. I now pay about $300 a year out of pocket and have no deductible. The wait times aren't really worse than they were in the US, and when folks do have to wait (for non-life-threatening things)... paid time off if you need it. I broke my arm and got paid time off since I couldn't do the job while I was healing. I have no gap in health insurance if I do not work: I don't have to consider such a thing when looking for a new job. You might be healthy, but other people aren't (or their family isn't) - which means they stay at a job they might otherwise not. Fast food workers and children and office workers all get the same level of care. If things do go wrong, they will send a nurse to my house up to 6 times a day, which helps folks not have to quit their jobs to take care of family. ANd a bunch of little stuff like that. While you might not use this stuff now, your family members probably could use some of this.
- maxerickson 5y ago
  People in this thread aren't bragging up the US healthcare system, they are saying that high salary employees of large companies don't really face significant costs from it. Maybe the salary differences really are just $6000 a year?
- drstewart 5y ago
  That doesn't justify a $100k+ difference in salary, sorry.
mschuster91 5y ago
> My $0 premium health care plan has only a $2000 deductible, $6000 out of pocket max So, realistically, you have to account and budget for about ~330$ a month of your wages going away additionally for your healthcare during employment term negotiations.

Broken_Hippo 5y ago

My tax rate here in Norway is less than my federal tax, state tax, and insurance premiums were in the states. I now pay about $300 a year out of pocket and have no deductible. The wait times aren't really worse than they were in the US, and when folks do have to wait (for non-life-threatening things)... paid time off if you need it. I broke my arm and got paid time off since I couldn't do the job while I was healing. I have no gap in health insurance if I do not work: I don't have to consider such a thing when looking for a new job. You might be healthy, but other people aren't (or their family isn't) - which means they stay at a job they might otherwise not. Fast food workers and children and office workers all get the same level of care. If things do go wrong, they will send a nurse to my house up to 6 times a day, which helps folks not have to quit their jobs to take care of family. ANd a bunch of little stuff like that. While you might not use this stuff now, your family members probably could use some of this.

maxerickson 5y ago
People in this thread aren't bragging up the US healthcare system, they are saying that high salary employees of large companies don't really face significant costs from it. Maybe the salary differences really are just $6000 a year?
drstewart 5y ago
That doesn't justify a $100k+ difference in salary, sorry.

mschuster91 5y ago

> My $0 premium health care plan has only a $2000 deductible, $6000 out of pocket max So, realistically, you have to account and budget for about ~330$ a month of your wages going away additionally for your healthcare during employment term negotiations.