Health Insurance

Best thing is no employee premiums

Can use more improvement and beat the competition

Just about the best in the country.

lots of doctors, good co payment. cannot complain.

Great network, easy to use system using HSA with good company contribution

It's a decent policy, but not very good compared to what it used to be.

Very low co-payment for employee, even when dependents included

Net cost for me was zero for my family of four. If I were to hit my deductible, my max out of pocket for the year was ~$2500. After leaving for a competitor/partner, I'm over $4k out of pocket worse off each year in benefits.

Years ago, it was 100% coverage with no premiums, no copays, nothing out of pocket, ever. These days, it's a high deductible plan, but Microsoft makes a sizeable HSA contribution to offset the deductible. If you're young and healthy, you can actually make money by spending less than the HSA contribution, but if you have a sizeable expense or a chronic condition, you can end up owing a couple grand out of pocket. Still, you pay no premiums, and the coverage is excellent. More than anything, it's a hassle compared to the no-questions-asked plan from the old days.

a bit confusing to manage. seems like a good deal for my family.