Which job in the USA has the best medical insurance?

Andrew Collins’ answer of US President is good, but there are a few others.

CEO or C-Suite exec of pretty much any US corporation. Although the IRS requires all qualified employee healthcare insurance plans to provide the same benefits to all employees without regard to job level, it isn’t unusual for C-Suite execs to have supplemental healthcare benefits that are theoretically reportable for taxes, but for which the corporation grosses up the payment to cover the potential taxes on the additional benefit.

Members of Congress. Although their primary healthcare insurance is set as being a silver level ACA plan, they have additional healthcare benefits that are very advantageous and are either free or very low cost compared to what everyone else is able to get.

Active duty members of the US military who are fully covered, although by military hospitals providing the services, not by insurance per se.

After those four categories, there is a fairly large healthcare benefit gap to the next best coverages.

Outside of employer coverage there are a few options: Medicaid, ACA/Obamacare, and short term health insurance.

Medicaid is a government program for people who make less than 138% of the Federal Poverty Level (FPL) in expansion states and 100% of FPL in non-expansion states. Contact your state Medicaid program for more information.

ACA/Obamacare is subsidized up to 400% FPL to make it more affordable. How much you receive depends on your age so if you receive a large subsidy to buy coverage, this is very robust coverage. It’s now outside of open enrollment so unless you have a qualifying event

(e.g. divorce, job loss), you cannot enroll until later next year. Go to Healthcare.gov to learn more.

If you cannot afford ACA/Obamacare or do not have a qualifying event, short term medical insurance is a good option for healthy people looking for

coverage from accidents and illnesses. Go to my company’s website or our competitor’s websites to learn more.

I can’t im

agine any place in Canada where you could commute to work in the US on a daily basis. You can’t live/work in both countries baring dual

citizenship, finding both a Canadian home near the border and a US job near the border is pretty darn hard to find, border wait times and commutes

would be insane, and US and Canadian border agents would likely has repeated an serious questions for you. Other than maybe airline crew, I don’t

see this as anything near practical.


In any case, if you live in Canada you’d have provincial health insurance. This covers you while in the US up until the cost covered in Canada, provided

you maintain residency in Canada. You’d probably only need some supplemental insurance as it would only need to cover part of the costs until they move

you back to Canada for treatment. Any job hiring a dual citizen to work in the US would probably have some type of medical insurance for this — and be

happy you have some other primary medical insurance.

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