I just left a job of 15 years in a local school district, which had excellent health insurance, Aetna. No deductibles, low copays. $200 a month my cost for family coverage. I just took a new job in a local municipality as a clerk, and because I am the only employee (of 3) taking the insurance, the Village only pays 50% of the premium, which is $2500. So therefore, I am paying $1225 for family coverage. It is eating up the increase in salary for the new job. I looked on the NY state Marketplace, and it looks like the best plan I can get through them (Silver level) is $700 a month with each of us having a $1600 deductible. My husband is leery of going this route, as he is a self-employed carpenter who risks being hurt on the job. My argument is that $1600 each ($1600 x 3 = $4800) is cheaper than the difference in premiums ($525 x 12 = $6300/year). I also believe we can claim the marketplace premiums on or taxes. With that said, the premiums at the new job are taken out pre-tax. Thoughts, advice? I need to make a decision pretty quickly, as the new insurance is set begin through my new employer on 8/1.
submitted by /u/Mrsharris820
[link] [comments]
I just left a job of 15 years in a local school district, which had excellent health insurance, Aetna. No deductibles, low copays. $200 a month my cost for family coverage. I just took a new job in a local municipality as a clerk, and because I am the only employee (of 3) taking the insurance, the Village only pays 50% of the premium, which is $2500. So therefore, I am paying $1225 for family coverage. It is eating up the increase in salary for the new job. I looked on the NY state Marketplace, and it looks like the best plan I can get through them (Silver level) is $700 a month with each of us having a $1600 deductible. My husband is leery of going this route, as he is a self-employed carpenter who risks being hurt on the job. My argument is that $1600 each ($1600 x 3 = $4800) is cheaper than the difference in premiums ($525 x 12 = $6300/year). I also believe we can claim the marketplace premiums on or taxes. With that said, the premiums at the new job are taken out pre-tax. Thoughts, advice? I need to make a decision pretty quickly, as the new insurance is set begin through my new employer on 8/1.
submitted by /u/Mrsharris820 [link] [comments]Read Morer/HealthInsurance