Hey everybody,
Right now I am in a dilemma, as I am not sure if NYS will accept me as a domestic partner for my fiancé. Her company is dragging their feet, and I need to decide what to do in the next day or two.
Option 1)
Enroll in NYS catastrophic health ins. Would cost me $180 a month. Basically covers trips to hospital, and other major items. Everything else is OOP.
Option 2)
Enroll in companies health ins, and per month cost is $400. This comes with a $5800 deductible, 50% co insurance, and max out of pocket of $7000. Can enroll in an HSA but will need to use after tax money, as the HR department sucks.
Overall I am pretty healthy and nothing major happens to me. In 2021 so far I had a cold, sinus infection, and caught covid twice because my company wants everybody in office.
Either option right now looks about the same to me as I am paying out of pocket anyway. Is there any benefit from choosing my companies health ins?
Any advice on this is appreciated.
submitted by /u/Hulk_Goes_Smash327
[link] [comments]Hey everybody, Right now I am in a dilemma, as I am not sure if NYS will accept me as a domestic partner for my fiancé. Her company is dragging their feet, and I need to decide what to do in the next day or two. Option 1) Enroll in NYS catastrophic health ins. Would cost me $180 a month. Basically covers trips to hospital, and other major items. Everything else is OOP. Option 2) Enroll in companies health ins, and per month cost is $400. This comes with a $5800 deductible, 50% co insurance, and max out of pocket of $7000. Can enroll in an HSA but will need to use after tax money, as the HR department sucks. Overall I am pretty healthy and nothing major happens to me. In 2021 so far I had a cold, sinus infection, and caught covid twice because my company wants everybody in office. Either option right now looks about the same to me as I am paying out of pocket anyway. Is there any benefit from choosing my companies health ins? Any advice on this is appreciated. submitted by /u/Hulk_Goes_Smash327 [link] [comments]Read Morer/HealthInsurance