Re:A Good Way to Grant Equity to Your Employees
by toast0 on Thursday November 03, 2016 @04:20PM
(#12867571)
Availability of types of plan is a good reason to demand the plan you want.
How much was the employer paying when you were paying $x/pay period? From my experience, small businesses pay a lot more per employee than large businesses and also tend to only have one option for employees.
Even if the costs were the same, I live in Texas. PPOs are no longer offered on the private exchanges here. Unless you have employer-provided insurance, you have to have an HMO, which I refuse to do for moral reasons.
(and adding: my previous employer was a tiny company of 12 people, but they had to provide insurance anyway due to being a defense contractor, and I was paying $40 per month for the best insurance I've ever had. The employer I had before that was a startup of the same size and refused to give any insurance or even pay us what we were worth because the owner was stingy, so stingy that he refused to seek VC because he wanted to keep ownership)