Are you sure? I work for a tech company but not a FAANGM and $2,300 plus a $4,000 out of pocket max is about spot on, maybe even slightly less. I’m often told my providers that I have “great” insurance.
Admittedly, I don't have a large sample size of health plans for tech companies.
Anecdotally, my tech-industry employer (disclosed in my profile) offers only one health plan. Always $0 employee contributions for the employee and dependents and no more than $200/month for the employee's partner.
For in-network: $0 deductible, 0% coinsurance, copays are either $30 or $50 for office visits, $250 copay for ER, and standard $15/$40/$75 tiers for drugs. Out of pocket max is $3k for individual / $7.5k for family.
Given the $0 deductible and 0% coinsurance, it would take a very high number of office visits (at least 60 for individuals or 150 for families) to hit the out of pocket cap. For healthy families, it's fairly difficult to spend more than a few hundred dollars on health care (dental/vision plans are similarly generous).
An interesting example the legal documents provide is pregnancy. The stated cost is $12,800 but the expected out of pocket cost is $60.
depends on the company I guess. at $CURRENT_STARTUP we pay pennies per pay period (literally - I'm not really sure why, but roughly 60 cents) for top tier platinum HMO, zero deductible, $4k max out of pocket for copay. $PREVIOUS_STARTUP was the opposite, bottom tier HDHP and they only paid half the premium, $9k deductible.
