[Sorry, I accidently published a comment from a dummy website]
This is PRE-COBRA comparison. (I'll get the COBRA rates from Sbux)
For an HSA-qualified plan, 39M, in San Francisco county, CA: $134/month
No copays, no R/x, just a basic HSA policy that goes to 100% coverage after the 4k deductible is met.
If I add VBA's 5k AMC plan: Another $45/mo (This plan has a $100 Deductible, Accidents and Injuries only)
TOTAL 134 + 45 = $179/month
Starbucks Routine Care PPO Plus (When you take HQ (A health questionnaire, good idea really)
$20/pay period, or appox. $40 a month
$500 Deductible, $4,000 OOPMAX, 30% co insurance for office visits, all other services. 100% up to $500 on routine preventative exams, $400 copay for hospital admission, $50 copay for the ER, Chiro and Accu NOT covered (Interesting, considering the $500 for tests), and $10 for Generic R/x (No better than Walmart)
If I wanted to cover my OOPMAX with a VBA 5k AMC plan, add another $44/mo
TOTAL 40 + 44 = $88/mo
This quick analysis makes it appear that Corporate Benefits from Sbux beats Individually Owned Health Insurance...
I'll beat that to shit tomorrow...