Health insurance for nannies

[Anonymous]

Any experience getting health insurance for a nanny? Please share options/ideas on how to go about it if one can not get it done through a family plan. Thanks

[Anonymous]

We give our nanny $540 a month to go toward healthcare insurance. She was able to get it thru the Obamacare exchange.

[Anonymous]

Anonymous wrote:We give our nanny $540 a month to go toward healthcare insurance. She was able to get it thru the Obamacare exchange.

Wow. I really have find a better job lol. God bless your family. I can’t even get groceries for an overnight

[Anonymous]

Pp, can I ask what kind of plan she has. I’m a nanny and I don’t qualify for Obama care, but I have my own insurance through blue cross, it cost less than your nanny’s plan through Obama Care.

[Anonymous]

Decide how much you’re willing to contribute and let nanny choose her own plan, mine is over $500 and I would LOVE contribution from my employers!

[Anonymous]

Anonymous wrote:Pp, can I ask what kind of plan she has. I’m a nanny and I don’t qualify for Obama care, but I have my own insurance through blue cross, it cost less than your nanny’s plan through Obama Care.

Everyone qualifies for Obamacare - meaning anyone can buy healthcare insurance during enrollment. You mean you don’t qualify for a subsidy - neither does our nanny. She has Blue Cross with Aetna.

[Anonymous]

I also got mine through the state exchange (MD). Once you fill out the application, it will tell you whether you qualify for any subsidies. Someone mentioned they didn't qualify and I think that can happen if you you earn a low yearly rate, in which case it will tell you that you must apply for Medicaid. The amounts may vary by state though.

[Anonymous]

For live-in, here is what we did/do:
Go to the health exchange (what we did in 2018) or find an insurance broker in your state (what we did in 2019).
Tell them you are a Household Employer (keyword).
Have your EIN available and prepare to complete about 6 pages of paperwork (easy stuff like name address, EIN, SSN, etc).
Review the plans, deductibles, etc.
We selected 3 plans and then allowed her to choose one.
We pay 50% of the monthly premium. She pays 50% as a payroll deduction.
We pay the insurer directly, on her behalf.
Check with your CPA / attorney, but the contribution is generally non-taxable and may also qualify as a tax deduction. We added this healthcare payment benefit to her employment agreement.

[Anonymous]

Anonymous wrote:We give our nanny $540 a month to go toward healthcare insurance. She was able to get it thru the Obamacare exchange.

I got $350/month during my last position, and covered the rest myself (less than $100).

[Anonymous]

Anonymous wrote:

Anonymous wrote:We give our nanny $540 a month to go toward healthcare insurance. She was able to get it thru the Obamacare exchange.

Wow. I really have find a better job lol. God bless your family. I can’t even get groceries for an overnight

Troll alert.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We give our nanny $540 a month to go toward healthcare insurance. She was able to get it thru the Obamacare exchange.

Wow. I really have find a better job lol. God bless your family. I can’t even get groceries for an overnight

Troll alert.

Not a troll. She posted this issue on another thread.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We give our nanny $540 a month to go toward healthcare insurance. She was able to get it thru the Obamacare exchange.

Wow. I really have find a better job lol. God bless your family. I can’t even get groceries for an overnight

Troll alert.

Not a troll. She posted this issue on another thread.

Did she find a better job with a family who allows her to eat dinner when she works overnight? I doubt it.

[Anonymous]

Anonymous wrote:For live-in, here is what we did/do:
Go to the health exchange (what we did in 2018) or find an insurance broker in your state (what we did in 2019).
Tell them you are a Household Employer (keyword).
Have your EIN available and prepare to complete about 6 pages of paperwork (easy stuff like name address, EIN, SSN, etc).
Review the plans, deductibles, etc.
We selected 3 plans and then allowed her to choose one.
We pay 50% of the monthly premium. She pays 50% as a payroll deduction.
We pay the insurer directly, on her behalf.
Check with your CPA / attorney, but the contribution is generally non-taxable and may also qualify as a tax deduction. We added this healthcare payment benefit to her employment agreement.

This is what we did. The options ended up being very similar prices to individual plans through Obamacare but with way lower deductibles and more generous benefits.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We give our nanny $540 a month to go toward healthcare insurance. She was able to get it thru the Obamacare exchange.

Wow. I really have find a better job lol. God bless your family. I can’t even get groceries for an overnight

Troll alert.

Not a troll. She posted this issue on another thread.

Did she find a better job with a family who allows her to eat dinner when she works overnight? I doubt it.

Huh? I can’t imagine any family that wouldn’t leave food or money to order food for the nanny and kids when working overnight.

[Anonymous]

Anonymous wrote:I also got mine through the state exchange (MD). Once you fill out the application, it will tell you whether you qualify for any subsidies. Someone mentioned they didn't qualify and I think that can happen if you you earn a low yearly rate, in which case it will tell you that you must apply for Medicaid. The amounts may vary by state though.

Not the same pp but I tried to go through Obamacare and I didn’t qualify. My annual income was $72,000 (share) at that time. I ended up going with BCBS and I pay $358.72 for an individual plan.