It's still asking employees to float their enormous mega-corp employer potentially thousands of dollars (each) in short-term loans.

It's more like floating the insurance company. The employer would never directly pay these things.

Most employers in the U.S. over about 1,000 employees are “self-insured”, meaning they hire the insurance company for the network and administration, but the company actually does directly pay out claims. At over 1k employees, I expect MailChimp was already self-insuring, and Intuit definitely does.

Intuit is indeed self-insured.

If you can suggest an edit that will fit within HN's title length limit that conveys the sentiment of the entire tweet, please feel free to do so. Appending enough of the missing text to convey anything useful violates the limit, but maybe the title could be compressed in another way.

I don't think I can edit the title anymore, but one of the mods can edit it.

s/pay medical costs out of pocket/front medical costs/

Shorter and as I understand it more correct.