[quote=UCGal]I was pricing insurance this week to determine if I wanted to go COBRA or ACA exchange. The coveredCA website was less helpful than the einsurance.com website. On einsurance they let you filter options by whether you’re ok with a more limited network.
I found that my employer plan, even at full COBRA prices – is a much better deal than what I can get via an unsubsidized private plan. Equivalent plan outside of COBRA is $700 more per month. Proof again, that employers can use their negotiation to get better deals. I was comparing Kaiser Permanente prices, since I’m a satisfied Kaiser customer.[/quote]
It depends on employer my former global pharma company had very good benefits not state employee plans good but the full cost is very high as in north of two grand a month for family. It’s literally difficult to find a private plan that costs that much without going to extremes
You also need to control variables. Employers have the “family” plan that doesn’t count how many people. The employer plan also doesn’t care about your age. You in effect you are directly subsidized by or subsidizing your younger family corners or older family coworkers depending on the mix
