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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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Are there any expats here?
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Anyone ever heard of Credigy?
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Interesting. Wells Fargo doesn’t do that. You pay according to the plan you choose and everyone pays the same for that plan.
Wells Fargo does do that. It’s 3 pay ranges - under 45k, 45-100k, and over 100k. The price for the same plan is different in each pay range
If you pick the High Deductible, which I recommend, it’s a little over $100 a month. I forget how the pay bands work, but I believe it should be roughly 2% of your pre-tax income. Pick the high deductible plan and the difference in payment between that and the premium plan you put in the HSA. Citi will give you $500 a year towards your annual deductible that way and any excess leftover in your plan you can use in future years.
I picked the Choice plan. Do you think that makes sense?
Also moved from JPM to Citi a year ago. I picked “in-network only” plan which is the best for me and it wasn’t available at JPM. I only pay $25 copay for primary care visit and $45 for a specialist. Deductible I had to meet was only $250 at Citi, while at JP i had to meet $1,750 deductible until my plan would start covering 80% of the cost. The monthly premium I pay is a bit higher but that’s because my salary increased substantially. So I am quite satisfied with my plan right now.
That’s a newer plan we didn’t have that last year so I didn’t look too much into it and let my old plan renew. HSA is money out of your pocket yeah, but you get the tax benefit, plus you can use it in the future. You also pay $1200 a year more I believe for the premium plan. I’m going to check the new one they have today.
I would advise against going to city. The culture here is extremely toxic, and everyone is always looking to blame someone else. I am myself just accepted an offer at JP Morgan, so let me know if you think it’s just a grass is always greener situation
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You salary determined your healthcare costs. So higher salary is higher amount taken out of your paycheck. Every company has a different ratio so best to just ask them what your costs would be.