100% employer paid medical insurance

10 Comments

1. AnonymousMay 18,2024 at 1:58AM UTC

   I used to, but that company is now out of business. They were "self-insured" meaning that they paid all medical claims rather than premiums and used an insurance company to provide the policy details and process the claims. I don't know if companies do that anymore (this was back in the 80's and 90's) but several large and international companies did that as it usually ended up saving them money. HIPAA may have stopped this, as there could be a bleed-over in knowing who is involved in the claims. We received a benefits report from the company every year showing how much the company paid out in medical claims (along with vacation and other benefits), so I can see with tightening privacy for medical that this may not be an option for companies anymore.

2. AnonymousMay 18,2024 at 7:21AM UTC

   My son is fortunate to have that.
   Very rare. Animation, based in Australia.

   I will see how long this lasts. Free insurance is great, but as another person wrote- the time and dedication (burn out) is real.

3. AnonymousMay 18,2024 at 1:43PM UTC

   I’ve worked for two companies, both based out of Colorado, who paid 100% of the employees premiums. Any spouse or dependents were entirely charged to the employee. It was a very nice benefit and the coverage was decent. Unfortunately it isn’t very common and seems to be more prevalent in certain parts of the country.

4. AnonymousMay 18,2024 at 6:00PM UTC

   I’ve worked for employers who covered medical as a single person, however, the plan was an HMO and I couldn’t get into see a provider. Plus, there were no out of network benefits and no provision to use benefits if you had to travel outside of 50 miles because you couldn’t see a doctor in network. Do your due diligence and research the benefits before making a decision.

5. AnonymousMay 18,2024 at 10:24PM UTC

   Thanks for all of your comments. I know these seem to be few and far between!

6. AnonymousMay 19,2024 at 8:57PM UTC

   One hospital I worked at for 10 years provided 100% coverage if we had the medical care done there. It was WONDERFUL! I miss that for sure now!!

7. AnonymousMay 20,2024 at 2:39PM UTC

   So the company I work for has two different options for insurance - a PPO an HDHP. The HDHP the employer covers plus we get $1000 annual contribution to our HSA. Now that said, I would not recommend it. My work/life balance is questionable at best. Many others have zero life. Lots of turnover (including job eliminations). Lots of instability in the company, etc. No, I would not recomend.

8. AnonymousMay 21,2024 at 4:57PM UTC

   Why not look at glassdoor and also linkedin for this? You will get the best information about what interests you.

9. jaquinnJuly 10,2026 at 10:55AM UTC
   The waiting area at a medical office was unusually social. Two people started talking about insurance plans, and one of them mentioned searching for the Ambetter phone number to get clarification about coverage. Others nearby joined the conversation and compared their own experiences dealing with appointments and paperwork. It turned into one of those chats where complete strangers exchanged useful tips while waiting for their names to be called.
10. Ne VajnoNovember 2,2026 at 11:03PM UTC
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