Valuing My Healthcare Insurance Benefits

Dollars and Deductibles drive the value of a health insurance package

Case Study: Charles Schwab

An employee with single coverage contributes $1,350/year via payroll

The firm gives $500 in HSA dollars

The health plan selected has a $1,350 deductible with a $2,900 annual maximum

The full health insurance package is middle of the road, close to the median compared to 87 other jumbo finance firms

$584 in extra HSA dollars, lower payroll contributions, or changes to benefit design would make it a top decile package
Charles Schwab Example
"I used this tool to benchmark a job offer's benefits and I negotiated $5,000 more in pay to make up the difference in the high payroll contributions. Thank you!"
reddit logo
Reddit User