Health insurance for nanny

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Why would you "imagine" that most nannies are not on more comprehensive healthcare plans?

I don’t think that’s an uncommon assumption, unfortunately. That’s why you see all these posts by nannies who get offered laughably low wages or just a shitty deal in general, and then the parents being shocked that their applicant didn’t jump at their “awesome” offer.

Says a greedy nanny. Seriously, if you want to make 60k a year, maybe get some qualifications

I just want to clarify a couple things.
1. I don’t know where you pulled 60k a year from, but it certainly didn’t come from me. I’m not expecting to make anywhere near that much.
2. I have qualifications and experience. They may not be enough to warrant your 60k a year, but I know enough that I shouldn’t be getting paid less than $15/hr, especially for multiple children. All I ask is for fairness, not to be taken advantage of.

[Anonymous]

Op here- thanks to those who responded to the question.

[Anonymous]

Anonymous wrote:So it covers 40% of your insurance premium? How much is that? I’m just try to cost this out so before I offer 40% I need to know what that is in USD.thanks!

My plan is $440. They pay about $200 a month.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Why would you "imagine" that most nannies are not on more comprehensive healthcare plans?

I don’t think that’s an uncommon assumption, unfortunately. That’s why you see all these posts by nannies who get offered laughably low wages or just a shitty deal in general, and then the parents being shocked that their applicant didn’t jump at their “awesome” offer.

Says a greedy nanny. Seriously, if you want to make 60k a year, maybe get some qualifications

I just want to clarify a couple things.
1. I don’t know where you pulled 60k a year from, but it certainly didn’t come from me. I’m not expecting to make anywhere near that much.
2. I have qualifications and experience. They may not be enough to warrant your 60k a year, but I know enough that I shouldn’t be getting paid less than $15/hr, especially for multiple children. All I ask is for fairness, not to be taken advantage of.

Lots of parents don't want to do what we do. Good nannies provide a very valuable service. You deserve to be appropriately compensated.

[Anonymous]

OP, plan prices vary by state and are determined by age. So asking here is not that helpful if we don't know what state you're in or how old your nanny is.

[Anonymous]

Anonymous wrote:OP, plan prices vary by state and are determined by age. So asking here is not that helpful if we don't know what state you're in or how old your nanny is.

Age isn't a factor if purchased on the ACA exchange.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Why would you "imagine" that most nannies are not on more comprehensive healthcare plans?

I don’t think that’s an uncommon assumption, unfortunately. That’s why you see all these posts by nannies who get offered laughably low wages or just a shitty deal in general, and then the parents being shocked that their applicant didn’t jump at their “awesome” offer.

Says a greedy nanny. Seriously, if you want to make 60k a year, maybe get some qualifications

I just want to clarify a couple things.
1. I don’t know where you pulled 60k a year from, but it certainly didn’t come from me. I’m not expecting to make anywhere near that much.
2. I have qualifications and experience. They may not be enough to warrant your 60k a year, but I know enough that I shouldn’t be getting paid less than $15/hr, especially for multiple children. All I ask is for fairness, not to be taken advantage of.

Lots of parents don't want to do what we do. Good nannies provide a very valuable service. You deserve to be appropriately compensated.

Nannies, generally only care for the kids, and maybe kid laundry and cleaning up. A SAHP does child care, cooking, cleaning, shopping, laundry and much more. I am not sue why you say parents do want to do what you do as they do it when you are not there along with everything else that makes a house run.

[Anonymous]

Depends on many factors. My premium is $329.29 per month

[Anonymous]

Anonymous wrote:

Anonymous wrote:OP, plan prices vary by state and are determined by age. So asking here is not that helpful if we don't know what state you're in or how old your nanny is.

Age isn't a factor if purchased on the ACA exchange.

Rate are based on age among other factors.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:OP, plan prices vary by state and are determined by age. So asking here is not that helpful if we don't know what state you're in or how old your nanny is.

Age isn't a factor if purchased on the ACA exchange.

Rate are based on age among other factors.

Not if purchased from the ACA exchange during open enrollment. Private insurance - yes. Obamacare - no.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:OP, plan prices vary by state and are determined by age. So asking here is not that helpful if we don't know what state you're in or how old your nanny is.

Age isn't a factor if purchased on the ACA exchange.

Rate are based on age among other factors.

Not if purchased from the ACA exchange during open enrollment. Private insurance - yes. Obamacare - no.

WRONG! The ONLY differential in ACA rates IS AGE. If you qualify for a subsidy, and it's more than the difference if you are in a higher age group, then you wouldn't know it, but the premium for older people is higher, sometimes much higher.

From Healthcare.gov:
How premiums are set
Under the health care law, insurance companies can account for only 5 things when setting premiums.

Age: Premiums can be up to 3 times higher for older people than for younger ones.

Location: Where you live has a big effect on your premiums. Differences in competition, state and local rules, and cost of living account for this.

Tobacco use: Insurers can charge tobacco users up to 50% more than those who don’t use tobacco.

Individual vs. family enrollment: Insurers can charge more for a plan that also covers a spouse and/or dependents.

Plan category: There are five plan categories – Bronze, Silver, Gold, Platinum, and Catastrophic. The categories are based on how you and the plan share costs. Bronze plans usually have lower monthly premiums and higher out-of-pocket costs when you get care. Platinum plans usually have the highest premiums and lowest out-of-pocket costs.

States can limit how much these factors affect premiums.