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AustenAllred's profile
Austen Allred
Austen Allred
Austen Allred
Verified account
@AustenAllred

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Austen AllredVerified account

@AustenAllred

CEO @LambdaSchool (YC S17): A CS education that's free until you get a job. I have made remarks that I do not agree with.

San Francisco, CA
lambdaschool.com
Joined December 2010

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    Austen Allred‏Verified account @AustenAllred Jun 29

    I’ve seen people take jobs that pay $40k less because they have insurance, when you can get that same insurance for $500/month. Psychological barriers are real and not always rational.

    1:50 PM - 29 Jun 2018
    • 74 Retweets
    • 537 Likes
    • Jeffrey Higgins Steffen Søborg Cstyle Paul McNeal #BTC20K 🔥🏳️‍🌈 Merita Memisi Martin Sjåstad Charita Krishna Nick Switzer Christopher J. Ware
    21 replies 74 retweets 537 likes
      1. New conversation
      2. Maxim Leonovich‏ @maxim_leonovich Jun 29
        Replying to @AustenAllred

        A good insurance in CA is closer to $2k/month, so sometimes it may make sense to take a job because of insurance

        2 replies 0 retweets 2 likes
      3. Austen Allred‏Verified account @AustenAllred Jun 29
        Replying to @maxim_leonovich

        $2k/month is *insanely* good insurance with no deductible

        2 replies 0 retweets 1 like
      4. Maxim Leonovich‏ @maxim_leonovich Jun 29
        Replying to @AustenAllred

        Actually, it was a high deductible silver plan + a health equity account, through which company was paying the rest. But the plan itself was $900/half month, or at least that's what they offered me through COBRA after leaving

        2 replies 0 retweets 5 likes
      5. Will Tjernlund‏ @WTjern Jun 29
        Replying to @maxim_leonovich @AustenAllred

        You guys have to have kids right? My insurance in Minnesota is $220 a month.

        1 reply 0 retweets 1 like
      6. Maxim Leonovich‏ @maxim_leonovich Jun 29
        Replying to @WTjern @AustenAllred

        Nope, no kids. But married

        1 reply 0 retweets 2 likes
      7. Will Tjernlund‏ @WTjern Jun 29
        Replying to @maxim_leonovich @AustenAllred

        Wow, happy I live in Minnesota!

        0 replies 0 retweets 2 likes
      8. End of conversation
      1. New conversation
      2. David Beazley‏ @dabeaz Jun 29
        Replying to @AustenAllred

        $500 a month? LOL

        2 replies 0 retweets 13 likes
      3. Austen Allred‏Verified account @AustenAllred Jun 29
        Replying to @dabeaz

        ...yes, those are literal numbers

        2 replies 0 retweets 4 likes
      4. VK‏ @vjeannek Jun 29
        Replying to @AustenAllred @dabeaz

        Not comparable to a decent employer plan (at the level if you’re making enough to take a $40k pay cut and still survive)

        2 replies 0 retweets 0 likes
      5. VK‏ @vjeannek Jun 29
        Replying to @vjeannek @AustenAllred @dabeaz

        That kind of employer sponsored plan would run you at least $1200-1500 on the open market w $500 ded & $2250 max out of pocket single covg.

        1 reply 0 retweets 7 likes
      6. Austen Allred‏Verified account @AustenAllred Jun 30
        Replying to @vjeannek @dabeaz

        That’s $3,333/month of insurance

        1 reply 0 retweets 1 like
      7. VK‏ @vjeannek Jun 30
        Replying to @AustenAllred @dabeaz

        I understand it’s still a better deal to take the extra 40k & buy the insurance yourself😎 Just pointing out the costs. Have a great day!

        1 reply 0 retweets 1 like
      8. VK‏ @vjeannek Jun 30
        Replying to @vjeannek @AustenAllred @dabeaz

        I’ve lost 3 plans in 4 yrs. Had to re-shop. I’ve also helped my guy shop similar insurance for employees. Costs have become staggering.

        1 reply 0 retweets 0 likes
      9. David Beazley‏ @dabeaz Jun 30
        Replying to @vjeannek @AustenAllred

        It’s not just about the cost. You often can’t get into good health care networks with individual insurance. ACA plans not accepted.

        1 reply 0 retweets 0 likes
      10. 5 more replies
      1. Sunshine Mugrabi, MA, MA  🌈 💦 💧 🇮🇱‏ @sunshinemug Jun 29
        Replying to @AustenAllred

        Individual insurance through the ACA exchange isn't the same as group insurance through an employer. Take it from me-dealing with them is a nightmare. You have no leverage.

        0 replies 0 retweets 7 likes
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      1. Yosef H‏ @yossy770 Jun 29
        Replying to @AustenAllred

        Depending how many children you have good insurance can be a lot more then $500 a month.

        0 replies 0 retweets 9 likes
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      1. New conversation
      2. Arafat‏ @g0_love Jun 29
        Replying to @AustenAllred

        I have seen people buy food from wholefoods.

        1 reply 0 retweets 9 likes
      3. 1 more reply
      1. Close, But No Cigar‏ @noCigar Jun 29
        Replying to @AustenAllred

        A good employer-based plan for a family w/ kids can easily run over $20K/yr. And if you're in a top tax bracket in a high-tax state, the top marginal tax rate can be 50%.

        0 replies 0 retweets 4 likes
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      1. Omar Qazi‏ @omarqazi Jun 29
        Replying to @AustenAllred

        Dan Ariely wrote two whole books about it. Predictably Irrational — a must read if you haven’t already.

        0 replies 0 retweets 4 likes
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