patrick.net

Recalling your list, if you eliminated 2,4,5,6 then I'd say most likely yes. Otherwise no

Id just as soon take the compensation as cash and tell the insurance system to suck my egg

The day I leave this job, every cent that was ever spent in my name, vanishes into thin air

I couldn't imagine a worse deal

SFace says

What's your age and known condition?. Does your employer pay for the plan fully or partially. If you do not participate, will they provide a cash replacement.

This thread is open to all situations, but in my particular situation, I'm deciding between taking the employee option or see what else is out there. My employer doesn't pay for the plan and the provider is Aetna, which I think sucks so I don't like the idea of using them.

I'm healthy, 30s, and typically spend $0.00/yr on health care. Employee heath insurance spreads the risk for insurance providers but that, of course, means that healthy employees subsidize less healthy ones, so I might do better on the market.

Evaluating a health insurance plan by Bankrate

Anyone know of a good site for picking health insurance based on your criteria? If not, that would be a good website idea.

Doing the Math on Employer Health Insurance, NYT

Our post last month on the McKinsey & Company study that suggested — but absolutely did not predict — that up to 30 percent of employers would shed the health insurance plans they now provide workers in 2014, when the Patient Protection and Affordable Care Act largely takes effect

errc says

The day I leave this job, every cent that was ever spent in my name, vanishes into thin air

I couldn't imagine a worse deal

That perfectly describes Aetna's Flexible Spending Accounts. Each year, you lose what you don't spend and you lose everything if you change jobs.

I'm thinking that a private Health Savings Account (HSA) might be the best option. From my understanding, you own the money in your HSA and it cannot be forfeited or taken away. All money left over is rolled over and you earn interest tax free.

What happens with a HSA if you die? Does it go to your estate or does the government and/or some corporation managing it take a slice or all of it?

Aetna flex spending account garbage. I have aetna through wife's provider....Deductible far lower (1/10) than what my parents pay through their business for a crappy HDHP from BC/BS NJ

7 tips for choosing a health savings account by BankRate