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There are 2 options that don't really suit a company that doesn't pay their low-earning employees.
Gray offers two levels of health insurance: the high level isn't cheap, but has good coverage for what you pay. The low level is practically worthless.
standard based health insurance for individual
Deductible is $5000. They do not allow your spouse on the plan if they work and have insurance. Vision and dental benefits are OK, except insurance company is very difficult to work with. If it’s a dental surgery they cannot seem to make up their mind if it’s medical insurance or dental insurance upfront and then they surprise you in the end.
There are two options, the expensive one and the more expensive one. They don't cover anywhere in my city except for the horrible corporation which has a strangle-hold on the region (horrible billing practices, multiple inquiries and fines for abhorrent care practices). Everywhere else is out of network. Plans are via Cigna. Local health care facilities can't get straight answers from Cigna or "Multi-Plan" (the group Cigna passes the buck to while dancing around questions) when attempting to participate in-network with them. The health plans have gotten worse each year, higher deductibles AND higher premiums, while the company's contribution to the HSA has gone down, by 20% for the expensive tier and 100% for the cheaper tier. If I had been better prepared, I would have sought private health insurance for a plan with probably better coverage and lower rates, or at least better coverage for the same amount. Worse still, after actually using the insurance for expensive surgery, Cigna will send you pushy letters asking for information on who they can sue so they don't actually have to pay, themselves. They will continue to do this even after you reply that there is nowhere for them to turn to to turn the screws. Long story short, the amount you have to pay in deductible before your insurance even begins to offer co-pay benefits makes ALSO having the premiums deducted from each paycheck seem worthless and like robbery.
As a single, healthy person, I suppose healthcare sufficed well.
Easy to access, easy to use. For a first job, I got excellent benefits and had no problem using them in town.
I pretty much get my premiums back with the money the company puts in my HSA!
The amount that is taken out of your paycheck and the amount you are expected to pay is outrageous.
Gray offers a tiered system that that offers varied levels of coverage. The more you have deducted off of your paychecks, the less you have to pay for in co-pay.