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Hello fishes,
So what is your experience in increasing ECTC while getting subsequent job offers? How much increase shall we ask on top of previous offer? E.g. Current max I have is 25lpa, how much can I ask HR from next company? Infosys Accenture Deloitte KPMG Hashedin by deloitte Nagarro Tata Consultancy HCL Technologies Wipro
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It's wildly different by employer, barely worth comparing. It's $0 at BCG but it can be $500 or more per month elsewhere depending on plan (deductible, whether you have access to nationwide or just a small network), employer contribution, etc. There are normally three options for self, self plus spouse, or self plus spouse plus dependents, but that can vary too
My high deductible plan for a family of 3 has an annual deductible of like $10k or something. Monthly premium of like $200.
Our company’s lower deductible plan (but still considered by the IRS to be a high deductible plan) is something like $700 per month but annual deductible is like $3000.
My wife’s before our first child was next to zero out of pocket. We paid $800 for the birth of our first kid. The next on my current plan will be over $7000.
Plans vary widely from employer to employer.
Rising Star
Moved to the States from Vancouver so I understand the fear about the U.S. system. Anyways, I pay $330 per month for a family of 4 at LEK. Comes with $20 copays for office visits including urgent care, but $100 ER copays. Prescription drug benefits vary by tier - as low as $10 to as high as $50 for a 30-day supply. Includes out of network benefits at 80% coverage. Out of pocket max is ~$2000 annually for in and out of network combined. Good coverage too - paid like $200 on a $2.1M NICU bill but that was only because of an insurance error that is not worth my time to fix.
Hope your baby is OK. This is somewhat similar to mine, but we have the deductible reimbursed by work…. Just premium and co-pay is what we are responsible for, so it’s a few thousand dollars, but a small fraction of actual healthcare costs if you have a (growing) family
Also some US plans charge per dependent rather than a family rate. When I was at Accenture I paid for my SO and then there was an additional charge for each child, rather than a lump sum for the whole family. I think each kid was an additional $150 per month, so $600 for four kids.
Now I'm on a plan at a small boutique firm that has one family rate whether you have one kid or ten. And I think I pay $185 a month for all four at an even better level of coverage than I had before.
Thanks everyone so far. Sounds like it varies quite a bit more than I thought it would.
It’s a complete nightmare. The variation stems from the fact that these insane employer-sponsored plans started in the WW2 era of wage caps. Unable to compete via higher cash compensation, firms started offering fringe benefits to evade the caps, and the unholy mess spawned from there.