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Comment by tornadoboy55 | Hacker News Reader

.. which is usually capped. So you are covered for minor incidents, but anything above 200k (or whatever the cap is) will completely fuck you up. Because anything that will have that much cost will also be something serious enough to incapacitate you for a long time and leave you without income. EU healthcare usually doesn't have cap, nor a deductible of thousands of dollars.

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That's not true. Obamacare eliminated lifetime caps. Small and medium size companies often had $1 million lifetime caps but large companies have negotiating power and typically had no pre-existing condition exclusion periods and no lifetime caps (or something insane like $10 million). Under Obamacare all US health insurance plans have no lifetime caps and no pre-existing condition exclusions.

Obamacare is going to get completely eviscerated by the combination of a Republican President and a Republican Senate..

Any big tech company in SV offer amazing health insurance. I've never heard anyone say they had rouble with coverage/pre-existing condition/deductible/copay.

This is not even remotely true at all. Have you ever looked at a health insurance plan in the US?

You seem to have no idea how health insurance works.

Any good healthcare plan, especially post-ACA, will not have a cap like that.

People way overvalue free healthcare. Yes, it would be nice but it's nowhere near worth the salary differential.

I pay $160/m for my health care. It's a high deductible plan, but even if I were to reach the deductible every year then my total expenses would be $9,070=(160*12)+7,150.

The compensation differential between the US and Europe is way more than $10k.

Absolutely. A lot of people seem to have almost a religious deference for free healthcare. I'm young, disease free so I've only minimal healthcare costs. Losing out >$100K/year on salary in exchange of free healthcare seems like a stupendously bad deal to me.

In addition to the other comments, I wanted to point out that many employers also provide Short Term and Long Term Disability Insurance, which would cover the "incapacitate you for a long time and leave you without income" scenario.

...and has "preexisting conditions" clauses, right ? This doesn't exist in France.

No, there are no per-exisitng conditions clauses anymore.

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