- Health care
- Worker protections
- Required time off
- Sick time
- Maternity leave
etc.
Here its $15. And you're on your fucking own.
If you compare it to completely underdeveloped or dictatorial economies... Sure I guess its way better. But the US shouldn't be comparing comparing itself to that. Its like saying "This engineer is horrible, but he's not as bad as this drug addict that is yelling all day outside our front door!"
The US as a whole is awful at providing healthcare, but healthcare is a particular area where Amazon actually is going way above what is normal and is provided astonishingly well for its workers.
Glad to see someone like you list the real numbers, because I keep hearing "good insurance" when it comes to Amazon warehouses, but this is the first time I saw someone actually point out the specifics. Also glad to hear that Amazon warehouse workers receive health benefits on par with full-time SWEs (not being sarcastic here, I genuinely am happy to hear this is the case).
$3k for a Microsoft SWE is a "dang, I wish I didn't have to go to the hospital" situation.
$3k for an Amazon warehouse employee earning $15/hr can often be a "there go my savings, I wonder if I got this injury due to the amount of physical activity my job requires" situation.
Currently it's something like "we charge you a lot for the first few months but also give you the money to pay it in your HSA", which makes you wonder why they give it to you in the first place. It's not like you can optimize your prescriptions out of your life, so it's not enabling choice.
Btw, once you're 65 you can withdraw money for no reason without a penalty, so it's no worse than a traditional IRA. Too bad deposits are taxed in California.
Essentially, what it means is that if an employee spends less than $1.5k/yr on medical expenses, they don't gain much benefit. If they spend over $1.5k, they essentially only spend 10% after that on all of their medical expenses. And once they hit a hard cap at $3k, they spend nothing at all. 90% off for most medical stuff is a great rate.
Not even mentioning the fact that this kind of an insurance is a godsend to people with major health problems, given that in the worst possible scenario, they would only ever spend $3k of their own money in a calendar year on medical stuff. And that's only if their actual pre-insurance-cost expenses are closer to the $16.5k, because $1.5k + $1.5k/0.1 = $16.5k.
And I am yet to see a better insurance out of any employers (not just warehouse employers). Even the "amazing" student insurance I had back in college (which I had to pay the premium for) was much worse than this.
Nitpicking here, but they probably do, because the insurance-negotiated prices for many services are much better than the prices prices you could negotiate yourself -- and that is assuming you even have the skills and energy to do any negotiating.
I have a high-deductible plan, which on paper covers literally nothing until I hit something over $7k/yr in expenses, which I thankfully never have. However, I usually pay 30-60% less than the uninsured cash price for my appointments and procedures just because I'm on the plan in the first place.
I often (not always) check this with the provider, so it's not like I'm just blindly assuming the discount claimed by the insurance company is accurate. It's usually not, but the discount still seems to be substantial.
In exactly one case I ended up saving like 50 bucks per dermatologist appointment by paying them directly.
I'm 38 and also have a $7k+ deductible (my plan is HDHP), costs me $275/mo.
That said, having to pay up to $3k a year in medical costs when you're earning a Microsoft salary is a much smaller percent of your income than having the pay the same making $15/hr at an Amazon warehouse.
And I agree with your point, that type of an insurance with a fixed cut-off is regressive in a similar way that a sales tax it. So please don't get me wrong, I am not trying to say that Amazon warehouse workers have it just as good as Microsoft SWEs in terms of benefits (or just in general).
They do, however, have the type of health benefits/insurance that is extremely difficult to beat by literally anyone except what other big tech companies provide to their SWEs. And afaik those benefits for Amazon warehouse workers kick-in on day 1, unlike what it's like at many other similar warehouse jobs.
The latter should absolutely be avoided, but an HSA is basically just another tax-advantaged retirement account along the lines of an IRA.
When I said "i don't personally touch it", I didn't mean that I avoid it. I just know that it is a part of my benefit package, i get contributions in there, but that's about it. I don't even look at it or interact with it in any way otherwise, because I am not planning to use it until much later in life.
Probably much easier than it would be for a warehouse worker. Though I have no idea how this is relevant to what was said in the message you were replying to.
Given the physical nature of the work, I'd consider them more enlightened if they provided a lower deductible at the $0 premium level for every warehouse worker across the board. I'm really getting tired of places treating the long term mental and physical health of workers as an unpriced externality that's later paid for by society.
Also, thanks to motardo for the data point. (I will assume you're an actual warehouse worker.)
> but it is the minimum $0 monthly premium plan.
The monthly premium is the cost of the insurance plan. A "$0" premium isn't actually $0, it means that Amazon is paying 100% of the monthly costs of maintaining the insurance, requiring $0 contribution from the employee. Many companies (especially warehouse type operations) are less generous, and require some monthly contribution from the employee to pay the premium. The worst health insurance I ever had required me to pay 100% of the monthly premium, with $0 committed by the company. That company lost a lot of employees.
> I pay 100% of the first $1500
This is the "deductible". The covered person is responsible for 100% of costs until the deductible is met, although there are many exceptions. For example, a routine checkup might be 100% covered ($0 cost), as well as a range of preventative care procedures described by the ACA.
> then 10% of the next $15,000
After the deductible has been met, the person is responsible for coinsurance of additional costs. An extra $5000 procedure would translate to a $500 bill for the patient.
> then 0% of anything over $16,500.
This is where the "out of pocket maximum" or OOPM is reached. In this case, the most the patient could expect to pay is $1500 (deductible) + $1500 (10% of next $15K) = $3000. After that, all excess charges are handled by the insurance company until the insurance year resets.
In short: Health care will cost between $0 and $3000 depending on how many services are used for the year (excluding fully covered benefits like annual checkup, depression screening, breast cancer screening for women, vaccinations, and other services covered for free under the ACA)
But I assume a company like Amazon is dealing with a large insurer part of nationwide networks like BCBS.
Also, insurance companies have their own doctors and pharmacists that might disagree with the patient's doctor's treatment plans, and will not cover the healthcare costs for those items without a "prior authorization" from the insurer. There's an appeal system in place for this too. Although, this type of thing exists without health insurers too, it's just employees of the government deciding what to approve and not approve.
Actually, out-of-network emergency care is an 'essential benefit' under the ACA, so most plans do cover this scenario.
I actually just screwed myself with this recently. I went to an urgent care while traveling (because that is usually cheaper when I'm at home) and it wasn't covered. An urgent care apparently doesn't count as emergency care. It turns out that I should have gone to the (typically very expensive) ER instead -- it would have been covered 100% because of the ACA!
Every time I dig into ACA, I find that it’s a pretty decent framework for a non taxpayer funded healthcare system.
This is an important point. And a related point.
- Because the OOP payments reset annually, there are perverse incentives to over consume medical care after OOP is reached within a given year. Defer preventative health care until after you have a major medical problem that runs to max OOP, then stack up on preventative care before the year ends.
- Related: Insurance is also tied to employer - if you change jobs, all those OOP values reset (to whatever policies are in place with new employer). This causes friction in the labor market - employer-provided and -subsidized health care prevents people from looking for new employment.
In general, we wouldn't even use it to access private health care, because we would then face substantial fees to use it (I don't know exactly; it varies significantly by procedure, has a $500 deductible, substantial copay, and has maximum caps), however we're taxed heavily for not having a private policy.
Our family income has recently pushed over some thresholds in the rebate system, pushing up prices even more, might have to shop around to find an even more useless but cheaper policy.
Australia's public health system is pretty decent, but the half baked private system bolted on the side is a mess. Lots of people paying thousands for unusable insurance which is just sent directly to private companies.
From what I understand, order picking there must be god awful, but being the receiving clerk might not be so bad. Being on-site IT might not be so bad. Certainly being the Director of Operations for that warehouse wouldn't be bad... at least I wouldn't think.
https://ec.europa.eu/social/main.jsp?catId=1103&langId=en https://en.m.wikipedia.org/wiki/Bulgaria
https://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=CELEX...
You've been mislead by propaganda. They have healthcare, protections, etc.
In Alabama you cannot qualify for medicaid unless you are a "needy child, parent, caregiver, pregnant woman, or elderly/disabled resident". Meaning you can't qualify just for being low income.
While Amazon does provide decent health insurance, most lower income jobs do not.
I make good money, and have good health insurance and it would still cost me over $1k to go to the hospital. Imagine doing that with no health insurance while making $10/hr.
EDIT: You updated your comment so I'll add on. Sure, Amazon provides health insurance, but a lot of businesses don't. In 2020, ~31 million Americans didn't have insurance. Even if you have health insurance, premiums and deductibles can be astronomical.
Europe is not one country. I hope you realize it's hard to generalize.
So while your comment is half correct, I think you should give the parent commenter the benefit of the doubt before you try and "well actually" them.
There is so much digging at Amazon I’d like to see the delivery and warehouse work role required performance metrics and work role benefits posted so we can look at facts.
Such a difference between talking about working at a warehouse from the outside vs being born into a life that traps you there.
I think HN struggles with topics like unionisation because most of us have just never been at the bottom of society without a way out. We’re relatively rich and so highly skilled - we lucked out to be nerds in a world of tech, perhaps due to timing or perhaps because our parents were wealthy enough to put us here.
It’s the same phenomena of loving Uber or Airbnb and not understanding the cost to others.
I don’t know how to solve this problem. I don’t personally want to go work at an Amazon warehouse so I can see how awful it is. I work damn hard but I know how lucky I must be.
How do you get the rich to realise that the poor are simply, by definition, less fortunate?
I think a significant difference is that most folks in tech do not live and work among the skilled and unskilled laborers. In the military, you know the cook, the plumber, the electrician, and the riflemen, the air traffic controller, the network technician. Personally. You've been around the world together, you may have been in firefights together.
In the military, the headquarters jobs with the bean counters are rare. Bean counting is essentially synonymous with 'fat and happy'. In tech, the equivalent of bean-counting headquarters is 90% of the organization. It's extremely advanced bean-counting, but the field units have atrophied quite a little bit.
I really like your perspective. Reminds me of the attempts in new towns in the UK to try to mix different socioeconomic classes on the same street. "Show me and I'll understand." I grew up in a deprived town (but my family was comfortable) and I've worked a lot of awful jobs, maybe that helps.
So a good first step would be to integrate within companies more? Perhaps corporates deliberately avoid that. Much easier to treat warehouse staff badly if your valuable engineers don't know them personally.
Another day older and deeper in debt
Saint Peter don't you call me, 'cause I can't go
I owe my soul to the company store"