Reply to Decline job offer because of health insurance premiums?

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Reply to "Decline job offer because of health insurance premiums?"

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[quote=Anonymous][quote=Anonymous]What if just he switched to the new insurance and you stayed on yours? Some employers subsidize heavily for employees but have very expensive “family” coverage. [/quote]

I think this is the best idea.  And, there is nothing wrong with, when he discusses the job with them, him saying, "My only reservation is the cost of healthcare.  The premiums I'd be paying at XYZ firm are much higher than we have been paying.  Is it possible to have the health insurance costs subsidized by XYZ firm?"

They can pay you a cash fringe, which is not part of your salary and therefore not used in the calculation of future raises or (depending on how their plan is written) retirement plan.  So it's not a compounded cost is what I am saying.  Even if they only pay you half of the family premium per month, it's better than nothing.  If they don't feel comfortable treating your health care differently from that of other employees, there are other ways they can make it up to you, such as an employer paid parking pass, metro check, car allowance, etc.  (note, be careful as these are now taxable benefits as of 2018.)

I have an employee here whom we pay several hundred dollars per month because he *doesn't* take our health insurance; they are all on his wife's insurance.  He pockets the employer's usual cost for the health care.

Everything is negotiable.[/quote]

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