As a W2 employee, I will get $4,500/mo plus benefits. One of the benefits is that they will pay half the healthcare plan that I select from the options available. In my case, it's about $400, so I pay $200 monthly.
The problem is that at the country where I work, that healthcare plan is not accepted. Not only that, but the best local healthcare plan is about half the cost of the plan that they're offering me. Unfortunately, I would need to pay my healthcare because it's not an option from my employer.
My question is: if I decide not to accept the medical plan that they offer me for the reasons above, will I be able to negotiate my salary based on having to pay for my own plan?
In other words, since the company would not pay my healthcare ($200), does that mean I can renegotiate my salary? Or isn't that how it works?
I guess my thinking is that every employee has a max dollar amount that the employer can offer him/her. Let's say that in my case, the top amount is $5,000/mo (4,500 + the standard benefits package of $500 ) and when I asked for 4,600, they refused because it would go over the $5,000.
Since the benefits package is now $300 ($500-$200 of healthcare that they won't have to pay), then my total is 4,800 which is less than the $5,000 max amount. In other words, if it remains like it is, the employer would save $200?