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> How hard is it to fund your own US insurance on a tech salary to tide you over? Healthcare is NOT cheap if you want to maintain the same plan. I had to pay
by Bluecobra 4y ago
> How hard is it to fund your own US insurance on a tech salary to tide you over?
Healthcare is NOT cheap if you want to maintain the same plan. I had to pay $2K a month for a family plan under COBRA several years ago. This is the same as a mortgage payment for me. Typically your employer bears the majority of your insurance cost, but you pay all of it under COBRA.
- antihero 4y agoOh wow that is absolute madness. That covers your costs for pretty much everything, right?
- Bluecobra 4y agoNot necessarily. There’s deductibles that need to be met, Copays, and co-insurance (what you pay after the deductible), rather you’re in network or out of network, etc. For example, I had pneumonia some time ago and was in the hospital for about 10 days. The hospital billed by insurance something silly like $100,000. I ended up having to pay something like $4,000 out of pocket. I consider myself one of the lucky ones. It’s really important to review an employer’s health plans before accepting a job offer.
- dghlsakjg 4y agoNot at all. You will still have to pay your yearly deductible which is normally in the thousands of dollars. Then you also get to pay co-pays for every service regardless of where your deductible stands. Don't forget that the insurance company gets to decide what is necessary, not your doctor.