Re: Insurance
- From: "LizzieB." <blahblah@xxxxxxxxxxxxxxxx>
- Date: Wed, 29 Jun 2005 06:59:49 -0500
Sue wrote:
I discovered yesterday that they will be taking out $1200 each month for my insurance.
That's wholly a rip-off and if you changed to employee for THAT, you got gypped.
interviewed with insurance costs would be $400 a month for insurance
That's about right. My husband's insurance is paid for by his company, but we pay the extra premium for family, which comes to about $550/month.
When I was health insurance benefits administrator for the company I worked for before I left to have a baby and be an MT, the cost for a single (as in, no added premium for other individuals in her family) woman between 35-50 (or something like that) was just about $400.
(An aside: I turned 35 when my premium went down drastically because I wasn't normal "childbearing age" and then had a baby on the lower premium. I'm pretty sure they're going to have to adjust that age thing upward. I got a good laugh out of it, though.)
companies now having the employee pay for all insurance these days?
Some companies have been doing this for years, or at least having their employees pay a portion of it.
Would it be more cost effective to remain an IC and take out insurance on my own?
My opinion is that it would totally depend on your health status and pre-existing conditions. If you pass an underwriter's physical and provide the appropriate health history (smoking, weight, etc), you still won't do as well as $400/month, but you'll definitely do better than $1200/month.
If you can't pass the physical or your habits (smoking, weight) are out of their bounds, you won't be able to get underwritten at all, so it's a moot point.
It's a vicious, evil cycle. .
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