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[quote=Anonymous][quote=Anonymous]It also depends on where you live, and can change county by county. Some people are just really unlucky and there are very few options, and all expensive.

The reason only a portion is untaxed is because it's a loophole for small employers. They really want employers off the individual exchange to reduce subsidy and tax fraud (employers paying for it, but employees still claiming they are eligible for subsidies and simultaneously not counting the insurance stipend as income) and into employer programs, but most won't take you if you have fewer than 2 employees.

Group insurance typically offers better benefits than individual insurance, too, for the same premium, but, again, not offered when you have 1 employee. For awhile, I was able to do the small business version of the exchange in my area (SHOP), but this past year no insurers offered plans, so we had to do the individual exchange, too. Luckily, we had some decent plans to choose from at reasonable prices.

[b]OP, you are not required to provide FREE health care for your nanny, though that is something we'd all like to have. It's ok if it costs her $25-$30 to go to the doctor. [/b]Maybe you can buy the catastrophic plan, and pay a proportion of her OOP costs. Of course, if she does have an expensive, but not catastrophic health need, you'll have to budget for that.[/quote]

Plans with a $25/30 co-pay were $1200-1400/month. The $900-1000 plans all have giant deductibles before you move over to copay. For our nanny, who never gets sick and thus would not likely exhaust the deductible unless something crazy happened, that would mean that she got basically no practical benefit out of the plan, besides the peace of mind of knowing it was there in case of a disaster. [/quote]

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