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I just might have started one in the last year. I was between jobs over the Spring/Summer and developing pitches and prototypes. Without going into details, h
by dabent 17y ago
I just might have started one in the last year. I was between jobs over the Spring/Summer and developing pitches and prototypes.
Without going into details, health insurance is a big issue for my family. I looked at my options (I'm in the US) and there really aren't any unless my employer has insurance. I have no idea how insurance companies and employers ended up married like that, but if one wants to get/change insurance, the only option is to change employers. And it seems fewer employers offer it every year.
Then I landed a gig with a very nice place that has great benefits, including epic insurance. So, for this year, I'm here in a job that's about as far one can get from a startup without being a government gig and surprisingly happy about it. That's a big 180 from where I was 6 months ago. :-)
- mojonixon 17y ago" I have no idea how insurance companies and employers ended up married like that" I believe the short answer is WWII. Price controls meant employers needed to find a way other than higher wages to attract workers.
- joshfinnie 17y agoThe reason it is cheaper through your employer than individually is simple (or complex) math. Increasing the risk pool allows for premiums to be reduced. I am not sure that employers and insurance companies are married; you can (for a price and acceptable risk) get insurance without an employer.
- yardie 17y agoThey are married through price controls and tax deductions. If the choice was 10000$ additional pay or 10000$ annual insurance premium. From a payroll and tax view that insurance premium is much cheaper. Not to mention in many states, once you reach a certain number of employees you are required to offer a HMO.