2. True deductibles include all first-dollars paid by the insuree until insurance kicks in, including premiums.
3. There is no consistent generosity by firms in employee premiums paid via payroll and deductibles. The R-squared value of annual employee payroll contributions and single deductible based on an analysis of 485 large firms is .006.
4. More complete and simpler benchmarking helps get a full picture of a healthcare benefits package.
Disclosures: my personal healthcare coverage is a $5,000 deductible cost-sharing plan (non-ACA). Healthcare investments: Covetrus, Cigna, HealthEquity.
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