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Isn’t health insurance, in the case of tech workers at least, usually covered by the employer?


Typically, only partially. I don't even remember what I pay now, but it's more than a couple hundred per month. And that still has out of pocket costs, deductibles, etc. It's a giant scam.


It's generally not that much money if you're single. Where it's really awful is when you have a family with kids; even with employer-based insurance, the out-of-pocket costs are very, very high. The employer will cover a lot of your insurance cost if you're single, but not so much for the rest of your family.

The US is a good place to make a lot of money if you're a single tech worker and can live cheaply and save, but it's not a good place to raise a family at all.


MS-provided insurance used to have $3500 deductible per family, which is very little in terms of salary percentage.




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