5 ms·

Also, I guess in theory an employer could pass through the savings of paying for your insurance to your salary. Of course, I'm pretty cynical about that.

hadrien01 5y ago
Can't you see how much of your salary goes to your insurance on your pay slip? In France, I can see how much "I" pay every month for my employer insurance plan (which covers most of the time 10% of the healthcare expenses, the other 90% being covered by the public healthcare system)
- toast0 5y ago
  In the US, part of the insurance premium is paid by the employer and part by the employee; only the employee part would be shown on pay stubs. (however, yearly pay statements (w-2) mostly have the employer part listed as well). Of course, sometimes the employer part is zero. It's a little trickier to account for when the employer is 'self-insured' for healthcare. They'll use an insurance company to administer benefits (and pay for that), but they'll pay the costs for treatment rather than paying into an insurance pool and having the pool pay the costs.
coding123 5y ago
They won't. They will take the savings from you.
topaz0 5y ago
I'm all for being cynical about the devotion of employers to their employees, but I think it's reasonable to expect a good chunk of their savings on health care costs will be shifted to other kinds of compensation. Of course, the employer will try to spend as little as possible on their employees conditional on being able to hire the workers they need. But they won't be able to hire the workers they need if they are out of line with the market in compensation. Part of that calculus in today's world is that employees expect their employers to provide them with good health insurance. If the employee is instead paying for that health insurance through their taxes, they will expect to be paid more. This will only work for the employees who have some power to bargain with their employers, i.e. workers whose skills are in demand. But then, the same goes for healthcare in the current situation.

hadrien01 5y ago

Can't you see how much of your salary goes to your insurance on your pay slip? In France, I can see how much "I" pay every month for my employer insurance plan (which covers most of the time 10% of the healthcare expenses, the other 90% being covered by the public healthcare system)

toast0 5y ago
In the US, part of the insurance premium is paid by the employer and part by the employee; only the employee part would be shown on pay stubs. (however, yearly pay statements (w-2) mostly have the employer part listed as well). Of course, sometimes the employer part is zero. It's a little trickier to account for when the employer is 'self-insured' for healthcare. They'll use an insurance company to administer benefits (and pay for that), but they'll pay the costs for treatment rather than paying into an insurance pool and having the pool pay the costs.

coding123 5y ago

They won't. They will take the savings from you.

topaz0 5y ago

I'm all for being cynical about the devotion of employers to their employees, but I think it's reasonable to expect a good chunk of their savings on health care costs will be shifted to other kinds of compensation. Of course, the employer will try to spend as little as possible on their employees conditional on being able to hire the workers they need. But they won't be able to hire the workers they need if they are out of line with the market in compensation. Part of that calculus in today's world is that employees expect their employers to provide them with good health insurance. If the employee is instead paying for that health insurance through their taxes, they will expect to be paid more. This will only work for the employees who have some power to bargain with their employers, i.e. workers whose skills are in demand. But then, the same goes for healthcare in the current situation.