Employees Start to Feel the Squeeze of High-Deductible Health Plans

Re:Employees Start to Feel the Squeeze of High-Deductible He... by rayiner on Friday May 03, 2019 @03:26PM (#19821456)

At least that premium is totally reasonable. In Germany, the health insurance tax is 15%, half paid by the employer and half by the employer (and it’s not progressive like the ACA subsidy). $4,500 per year is 7% of income, lower than what the employer-side tax alone would be in Germany.

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Re:Employees Start to Feel the Squeeze of High-Deductible He... by mikestew on Friday May 03, 2019 @03:54PM (#19821688)

Now do the math when you include total out-of-pocket. My napkin says: "Considerably more than 15%". (Unless I misremember, and the 15% German tax doesn't cover the vast majority of cost.) Not to dismiss your point completely, but I could sell you insurance for $1/year, but your total out-of-pocket cost is going to be considerably more than $1.

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Re:Employees Start to Feel the Squeeze of High-Deductible He... by rayiner on Friday May 03, 2019 @04:02PM (#19821759)

The out-of-pocket max is something you’re likely to hit only if you get sick. The 15% is something you have to pay every year.

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