Wtf?
I need more information about that health care plan. Last time I looked at the market I was looking at worse premiums, coverage, and limits and making garbage pay.
My plan is $500/mo from me and $1500 from my employer with, iirc, 8000 max oop
Edit: I reviewed the plans they offer. Mine is significantly better, excluding the max oop. Anyone know what the costs are for for the plans?
From past experience at Amazon, it’s anywhere from $20 to $80 per month for individual coverage.
I honestly have trouble believing yours is “significantly better”. One of the Amazon plans is a $300/year deductible with $2,300/year oop, and costs $80/month, and Amazon contributes $500/year towards your HRA. Another plan has no deductible, and $1,500/year oop. Those are some of the best healthcare insurance plans I’ve ever seen in the US, period. I’d believe it if yours was about the same, but it’s pretty difficult to be “significantly better” than those.
Between less/no copays and specific services my employer covers directly my plan is significantly better for me and my circumstances. My previous employer had virtually identical coverage with higher oop and monthly payment. Just a perk of being in a strong union I guess.
E: I'd love to see the official coverage breakdown offers with prices if anyone has them please share, email in profile if you don't want to share publicly.
This is incredibly expensive compared to the Amazon plan.
You understand that you are paying more in premiums than the premium _plus_ out-of-pocket maximums of these plans, right?
A quick Google search gives https://www.premera.com/documents/042884.pdf which indicates $31 per month (or $14.31 per biweekly pay period), which is $372 per _year_, plus Amazon refunds $500 into your HSA.
There is no way your plan could be better for you, regardless of your circumstances. You start off more than $6000 in the hole compared to the Amazon plan.