I just moved from employee at my firm to partner. We structure it so that each “partner” is actually the flesh and blood partner’s single-member professional association (“PA”). So I’m an employee of my PA, and my PA is the partner in the firm.
I can stay on the firm’s group insurance, to the tune of $26k/year for my family of six. Or I can go get an individual policy for $1,800/year (I qualify for a ton of credits this year due to new partner startup costs significantly decreasing income), with a $6,900 individual, $13K family deductible/max out of pocket, via Ambetter Essential Care 2 HSA (an EPO). Our family primary and pediatrician are both in-network. The plan doesn’t cover much of anything (other than preventative) until deductible/out of pocket is met, but then no charge after deductible. Why not just pay as I go, and if I hit the deductible/max (never have so far) then I’ve essentially paid for catastrophic? Current plan $26K sure seems to beat Ambetter $13,800. Am I missing something?
Thanks!
submitted by /u/florida_lawyer
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I just moved from employee at my firm to partner. We structure it so that each “partner” is actually the flesh and blood partner’s single-member professional association (“PA”). So I’m an employee of my PA, and my PA is the partner in the firm. I can stay on the firm’s group insurance, to the tune of $26k/year for my family of six. Or I can go get an individual policy for $1,800/year (I qualify for a ton of credits this year due to new partner startup costs significantly decreasing income), with a $6,900 individual, $13K family deductible/max out of pocket, via Ambetter Essential Care 2 HSA (an EPO). Our family primary and pediatrician are both in-network. The plan doesn’t cover much of anything (other than preventative) until deductible/out of pocket is met, but then no charge after deductible. Why not just pay as I go, and if I hit the deductible/max (never have so far) then I’ve essentially paid for catastrophic? Current plan $26K sure seems to beat Ambetter $13,800. Am I missing something? Thanks!
submitted by /u/florida_lawyer [link] [comments]Read Morer/HealthInsurance