- prescriptions: good, small minimal copay but can basically get whatever i need or ask for
- dental: good, annoying minor deductable but overall decent
- disabillity insurance: good
- life insurance: havent used yet and no forseeable dependants or stakeholders in that sort of thing but whatevs
- other medical stuff: havent used 99% of it but orthotics was awesome
It’s an incentive US employers offer in lieu of additional pay or employee rights. One that the employee still has to pay for. When nearing middle age, It’s just generally cheaper than going without. It relies on healthy young people, who mostly don’t really need it beyond regular cleanings/check-ups, signing up to help cover the costs of older workers.