Reply to Paying nannies under the table

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Reply to "Paying nannies under the table"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I mean I'd like to get paid under the table too. Who wouldn't? Lots of us can get insurance through our spouse's jobs. [/quote]
So why don’t nannies get any health insurance? A few get a stipend to contribute to health insurance costs. Health insurance is essential.[/quote]

Mike does. It costs $1600/mo for her Obamacare policy. I think many could not afford that. [/quote]

You pay $1600 monthly for her insurance on top of her pay?  That’s very generous. [/quote]

I do. It actually costs more than we pay her per month (she works part time for us). She had never had health insurance before (she is in her early 60s).[b] We have a system in the US where employers provide health insurance. [/b]I talked with my husband and we decided to do pay for it. It is expensive, but we just cut back on charitable contributions and directed the money this way. At least I know it is actually helpful for someone who is important to our family. [/quote]
That is not legally required, unless you are a bigger corporation, thanks to ACA.  Small businesses are not required to provide health insurance to their employees, which is why ACA was so important.[/quote]

I know it isn’t legally required. But our system in the US is mostly employer sponsored insurance unless you qualify for Medicaid or Medicare or some other public provided insurance (which she does not). And I did not feel right about not providing it for her when I could (and she has no ability to pay for it; her income is slightly above the ACA subsidy amounts). I like the ACA but a huge flaw is that the subsidies end at low levels. She makes about $50k a year. Her policy for a Kaiser HMO is $1600/mo. The math just does not work. She is super frugal and responsible. Does not waste money on frivolous things at all. She owns her own home (which is great; she eventually will have it paid off), has an older but reliable car and that is about it with how she spends her money. She could not afford the $1600/mo premiums (the deductible is very low; she also could not afford a big deductible to make the premiums lower; that would have been wasted money). So I pay for it. [/quote]

$1600 for Kaiser?! That seems very high, pp. We are paying our nanny’s premiums and it is $700 for a major PPO. [/quote]

She is in her early 60s. ACA policies cost more as you get older. [/quote]

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