Employer provided health insurance

As a prospective employee, paid health insurance is a big benefit and something that could possibly be the swing vote between companies.

Company A- $50,000 salary and full benefits paid by the company

Company B- $55,000 salary and no benefits

If it's me, I'm leaning heavily towards A, all other things equal.

ETA: I got carried away and chose the wrong Company in my own damn scenario....

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Hopefully this isn't confusing. I'm trying to pitch an idea to my company to pay 100% of our healthcare .

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Good luck. I can't think of a single company paying 100% of health costs....almost EVERY business requires an employee to share in the costs. At some companies, your cost share % is pegged to your salary level: lower salaried employees pay a smaller share than more highly compensated workers. Even companies that historically paid ALL of the health costs have begun to require cost sharing by employees as health costs have spiraled out of control. Especially if your group of employees is old, sickly, full of chronic conditions, or frequently having premature babies (which are hugely expensive), group plan increases have been 10-15% annually in recent years.

Where my employer health plan sucks is in adding spouse/family to the plan. The first person added is stupidly expensive (my better half's private BCBS plan is cheaper than adding him to my health plan), it bumps up incrementally for 2-4 people, but if you add more than 4, the price no longer increases. WFT?

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I'm fortunate, my health insurance is 100% covered by my employer (small business, <50 employees). However, if I want to add anybody in my family, it'd be absolutely insanely crazy expensive.

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My company does not pay 100 percent, but it's very, very close. However, they do not pay a dime toward dependents.

Adding my wife to my plan would make my insurance go up 4x

My company has <25 employees. They pay 50% for me and 0% for dependents.

I wouldn't expect them to pay for my wife and kids but it just seems like paying 100% instead of 50% would be much more beneficial than giving a raise since it's tax "free" to the Employee at least.

I'm sure every employee in my company has increased their salary by more than $2500/year and that's about what it would cost them to pay an additional 50% for each employee on my plan.

I dunno it just seems logical to me.

My company pays dependent upon your salary. When I made less than I think 80k and was single, it was stupid cheap. Like 20 bucks a month. Then every income bracket (company defined and I dont know what they are other than the 80k bracket) bumps you into being responsible for a little bit more of the share. Add in a stay at home mom and a little boy, and now I pay $350 a month . I miss the old days.

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My company just came out with a high deductible plan & HSA combo this year though so I'm enjoying that better than the previous plan.

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The company I'm with now went to a choice of high deductible offerings about a year ago. For single coverage, once the various discounts are applied, I have no out of pocket premium. And the company places an amount annually in an HSA. I'm personally using the HSA as another tax friendly savings vehicle that I can max out ($3300 +/- per year). Net-net, I seem to be better off, compared to the old 80/20 BC/BS plan, with a premium and a modest deductible. But until I hit $4 grand, I basically have no coverage for medical care or prescriptions. Though if I'm not mistaken, the nanny state overseers have mandated that birth control for women must not have any sort of copay. But for diabetes or blood pressure, etc., you seem to be on your own. Wonder if Bruce Jenner's seemingly rash decision *may* have been insurance related?

We have a different kind of deal of our employees and it works great.

We pay $450 a month toward their health insurance. They buy it on their own and buy as much or as little as they want and bring us a receipt and we pay up to $450.

We like it because most employees can but it cheaper than we can buy it in a group. (It is a myth group plans are less because groups have to take on unknown risks.) Employees like them because they own the policy.

$450 will usually cover all of the employee if he gets a plan with some deductibles.

No we are not eliminating this benefit.