Re:The euro has tumbled near parity to the US dollar
by orange_joe on Monday July 11, 2022 @04:01PM
(#32061029)
What are you talking about? I’ve worked in two top tier companies and the most I’ve ever paid for the coverage is $120/month (1 firm I paid nothing). How are you paying $2,000/month at a “top SV employer”. I’ve never had to pay more than the maximums (how does that even happen), and my out of pocket costs have always been under $50/visit for a specialist visit. I really don’t understand how you get these numbers.
[ Parent
| on HN ]
Re:The euro has tumbled near parity to the US dollar
by briHass on Monday July 11, 2022 @10:55PM
(#32065036)
To be fair, the OP with that high cost was using a 'Platinum' PPO plan as the comparison, i.e. zero out-of-pocket (besides modest copays). Almost nobody offers these plans anymore, because they're ludicrously overpriced. Most plans are premium PPOs with a deductible of $500-1000 or HDHPs.
Besides bragging rights, I can't see why anyone would want the Platinum PPO. My 'HDHP' PPO costs me ~$200/month for a family and has a family OOP max of $6K. Even not including the HSA tax breaks and the $2K contribution to that HSA from the employer, that extra $1800/month for the 'no cost' PPO would easily be hit by the OOP max in only a few months. That's assuming you actually hit the OOP every year.