How to combat healthcare benefit costs as a startup

Re:How to combat healthcare benefit costs as a startup by orangecat on Friday November 19, 2010 @02:14PM (#1922400)

I reviewed plans with a health insurance broker in Washington state in September, who openly mocked some Regence (Blue Shield) coverage with a fifteen hundred dollar annual limit

That's not high-deductible, it's low-benefit. A high deductible plan would have you pay out of pocket up to $5k or $10k, and then cover everything above that. I agree that a plan that caps benefits (at something less than $1 million or so) is practically worthless, because the sort of events you actually want to insure against get expensive really fast.

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Re:How to combat healthcare benefit costs as a startup by irons on Friday November 19, 2010 @03:54PM (#1922759)

That's not high-deductible, it's low-benefit.

I have less experience shopping for group plans, but in the individual market you will die of natural causes before you find a high-deductible, high-benefit plan, let alone one without fatal loopholes.

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