Re:YC Research: Universal Healthcare
by chimeracoder on Tuesday February 07, 2017 @06:04PM
(#13593831)
> If I could buy health insurance separately from my company I'd look into it.
You can. It's probably not in your best interest, because the individual market plans are more expensive, but there's nothing stopping you.
> I know my company pays at least as much as I do for my insurance, but if I go off the company plan I can't get that money to use for insurance I like.
That's your employer's choice. They could provide a cafeteria plan, which would give you the choice (but again, since individual plans are always going to be more expensive for the same level of coverage[0], they'd have to pay more money overall to provide the same tier of benefits).
You can. It's probably not in your best interest, because the individual market plans are more expensive, but there's nothing stopping you.
> I know my company pays at least as much as I do for my insurance, but if I go off the company plan I can't get that money to use for insurance I like.
That's your employer's choice. They could provide a cafeteria plan, which would give you the choice (but again, since individual plans are always going to be more expensive for the same level of coverage[0], they'd have to pay more money overall to provide the same tier of benefits).
[0] simply due to basic actuarial math