How much do benefits actually factor into your comp calculation? I'm looking at an offer with a lower base but they cover 100% of health insurance. Trying to figure out how to put an actual dollar value on that when I'm comparing it to my current situation.

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For me, I'd almost value cash in my hand over fringe benefits especially since in the case of health care, I really like my HSA with HDHP

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That makes sense!

For me it’s kinda important. My company subsidizes insurance significantly so I only pay like $250 a month for all my insurance. If I moved to a new job and my insurance costs raised significantly to, say, $900 a month that’s $650 lost in my bank. I’d have to be making a significant pay raise to cover that difference.

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Really good idea to make a spreadsheet. going to keep this in mind

I break down total compensation into a spreadsheet:

- Base pay
- Health insurance subsidy
- 401(k) match in actual dollar amount in current role
- WFH perks if applicable (internet subsidy, home office expenses, etc)

Healthcare subsidy is a tricky one, because one employer's 100% coverage may be less ideal than another employer's 50% coverage, if the insurance isn't good. The goal in the end though is still to quantify everything as much as possible in actual dollar amounts, not vibes. Shiny WFH perks don't mean much if I'm taking a pay cut, for example. Companies like those things because they are benefits—but don't add a lot to their liabilities, because in many cases employees don't take full advantage of them.

this is great, going to really look into these details and make a spreadsheet to calculate total comp and then maybe weigh a few of those harder to calculate fields based on importance to me.

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