2 ms·
> a good job that pays for it If that's whats necessary to get decent health care in this country, then something isn't right.
by ugh123 4y ago
> a good job that pays for it
If that's whats necessary to get decent health care in this country, then something isn't right.
- lotsofpulp 4y agoTechnically, you just need money to pay for it. However, buying the employer’s choice lets you pay for premiums with pre tax funds, and the employer usually subsidizes 70% of the premiums. So for an individual, it is roughly a $10k per year benefit to get it via employer and for a family of 4, $40k per year benefit.
- menage 4y agoThat's not true. As I discovered when my COBRA ran out recently, finding individual plans that match the coverage of employer plans is very hard or impossible, regardless of how much you're willing to pay.
- moate 4y agoYou’re telling me a mega-corp buying coverage for 10000+ employees might have an advantage in negotiating price that a single “rugged individual” doesn’t?! But that sort of thinking could burst the whole “pull yourself up by your bootstraps” thinking that fuels the American dream! Clearly all individuals (both single citizens and corporate entities)are the same other the law!
- menage 4y agoNot a question of price, so much as any plan with access to particular doctors/hospitals.
- lotsofpulp 4y agoI’ve always been able to find the same or similar BCBS plan my employers offer on healthcare.gov. If it has the same metal level (platinum/gold/silver/bronze), it should be the same actuarial value. Only thing that Carrie’s
- menage 4y agoIn terms of general benefits, maybe. In terms of provider coverage - I couldn't find an individual plan at coveredca.com that was accepted by doctors at Stanford Hospital.