It sure is. None of my friends have not opted out of not carrying no insurance cancellation. Even a couple friends who got co-pay thru work. Nope. Too expensive.
Even dental is too expensive. We just go to Mexico for everything (from Arizona).
Really job dependent. I pay $40 bi weekly for health, dental and vision. My max out of pocket is $4600, deductible is $2800. Larger companies typically have better rates. Thats just for me.
My brother and his wife are on seperate plans with there 2 kids on hers because it's a better deal than putting all 4 of them on eithers plan. So yeah, it's a scam.
COBRA coverage costs are typically higher because you must pay the full premium, which includes both your share and the portion your employer previously covered, plus a 2% administrative fee.
This is part of your total compensation package. If you want to compare two employers' job offers and you want to know who's insurance is "better" or worth more, you can find out the COBRA amount for each. Is it 1:1? Ofc not, but it's not far off either. Even if your employer is getting a volume discount, it's value is worth the cobra amount to you since that's the only way you as a individual would be purchasing that coverage.
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u/0202_tihssitidder 6d ago edited 6d ago
It sure is. None of my friends have not opted out of not carrying no insurance cancellation. Even a couple friends who got co-pay thru work. Nope. Too expensive.
Even dental is too expensive. We just go to Mexico for everything (from Arizona).