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Employer Issues
Reply to "Employers providing health insurance - anyone use Small Business Health Options Program (SHOP)?"
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[quote=Anonymous]I thought about going through SHOP, but for our nanny (24 years old, non-smoker), the premiums were about 1/3 higher, thus eating up the tax credit. They also only offered 3 plans, while healthcare.gov offered dozens. This may vary by state, so you should check. I pay her premium directly to the insurer. Like any employer, I do know who her insurer is and what plan she has. I don't think that's some huge invasion pf privacy, and this way if the IRS ever asks, it is clear the policy never lapsed and the money was only for health insurance. Do you already have a nanny? My only hesitation in promising to cover someone at 100% is that if someone has a dependent or a spouse, she may expect that means you will pay for family coverage which can be considerably more expensive. For our single nanny, a HHI of $38,000/yr meant she was not eligible for subsidies.[/quote]
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