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[quote=Anonymous]Hi everyone, I could use some insight.

My husband started a job search and just received an offer on Friday. We're not sure if the health insurance should be a deal breaker. I want to support him and be enthusiastic, but I'm a little nervous. Essentially, his taking the job will require us to stay on my health insurance for as long as he's there. I'll explain a bit more.

He's employed and generally content with his current work, though the new job would be an exciting step up. The sticking point is that we are trying to conceive our first child (have been trying a while and actually doing an IUI this month), and coverage for us and a child with this new job would be $1,300/month. That sum would make things tight for our budget, even with the salary increase. He is talking with some other companies, but they're not at the "offer" stage yet and he should respond to the existing offer this week. He has specialized skills that make him marketable, and will likely get other offers, but he does particularly like this company that made the offer. They're a small-ish company, while most others he's talking with are larger (and thus might offer plans with lower premiums).

As for me, I also work full time and we are on my health insurance, which is good coverage. Mine is around $300/month for us two, and would be around $400 with children, which we can afford. I feel that if my husband takes this new job (and for however long he stays there - likely several years), I'll stay responsible for our health coverage. I like my job, but we had discussed my hopefully having some flexibility once we're parents, whether it's working part time for a while, or a less demanding full time job (mine is intense).

My husband is very easy-going and has no issue declining the offer due to the insurance situation. But I don't know if I'm overthinking this and should tell him to just go for it. I don't want to be a drag but I was really hoping his new job would have coverage that we could reasonably use, if we needed it.

Have you been in a situation like this? What do you think we should do? Thanks for your thoughts.[/quote]

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