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Originally Posted by Happy Monkey
I heard that the McDonald's plan cost the employee about $700 per year and had a maximum yearly payout of about $2000. That sounds more like a way to get money back from the employee than a benefit.
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That's equivalent to a plan costing $580 bucks a month, with a $20,000 max payout. Those are pretty standard numbers on many health plans. What it really boils down to is most people don't have the discipline to save that money each month for their inevitable health crisis down the road. To a certain degree health insurance is just an enforced savings plan.