[Supermancho]

> I wish employers did not provide health insurance, even though I have a chronic medical condition.

I've had multiple open heart surgeries. My medical events are relatively rare (every couple years) and I recently went completely septic for 4 days (started to have multiple organ failure ~3 days from no-return) due to a cascade of underlying issues. I know my medical coverage and it's been critical to my survival for my entire life.

I have NEVER used employer health insurance and anyone with major medical conditions would be foolish to depend on employer coverage in most cases. The offered plans are basically a big deductible with some minor coverage for non-catastrophic, no surgical coverage, nothing chronic. More expensive plans cover more dependents. Gee thx. It's all but useless and I have simply declined it everywhere for the last 25 years to keep the ~25$/mo, as I have paid my own (car payment-sized) platinum level health insurance plan everywhere I've gone (and my wife's). The type of company - Finance, Medical, Marketing, Retail, Consulting (ironically the best I've found), doesn't make much of a difference. Every now and then you find some employer that will "cover your healthcare 100%" which is inevitably code for "cover the plans we choose, which aren't different than anyone else".

[seattle_spring]

My health insurance costs me $0 (fully employer paid), has a $300 deductible, and a $3k annual maximum. Last year they covered more than $100k worth of expenses without even a small amount of fight.

This is a similar plan to my last 3 employers, companies of various sizes HQd in either SF or Seattle. If I had "multiple open heart surgeries," it would cost me a max of $3k in a calendar year.

Where are you working that you are not being provided similar plans?

[lowercased]

And... when you stop working and need $100k+ of medical expenses per year... ?

You're in a very fortunate position, but still dependent on the largesse and good fortunes of an employer (or multiple over the years), and when they have no use for your services, you'll be in the same boat as many others.

[seattle_spring]

What does that have to do with the post I was responding to? I was stating that typical employer-provided healthcare in my experience is very good. They said:

> I have NEVER used employer health insurance and anyone with major medical conditions would be foolish to depend on employer coverage in most cases. The offered plans are basically a big deductible with some minor coverage for non-catastrophic, no surgical coverage, nothing chronic

Which is just completely untrue unless the best employer you've been with is a regional fast food joint.

[lowercased]

my point was no matter how good it is, it's time limited to how productive you are, not how much you need.

[rmatt2000]

What kind of car do you drive?

[Supermancho]

I lease a 2020 Subaru. My medical coverage is greater than that payment, as healthcare has risen very quickly in the last 10 years.