I am making this comment to the last person who said she paid an IRA for her nanny. Wonderful for you and terrific for your nanny. I always worked with wonderful families and they paid my healthcare. However, when I start working for the family I am with now, I didn't need healthcare because I was on my husband's plan. But they were willing to if I didn't have already. Some people are just decent like that, and appreciate the people whom they hire to care for their children. Thank you for being the kind of person you are. A happy nanny, will go beyond the call of duty, this is something many employers don't understand. Or is too selfish to comprehend.