If your employer’s plan is considered affordable, you generally can’t get a Marketplace tax credit. But a private plan doesn’t depend on that. You can compare a private plan against your job’s plan, and if it wins, you can decide when to switch.
Twenty minutes, real numbers. Tell me what your plan costs per paycheck for you and for family coverage, plus the deductible. I’ll price the alternatives so you can see the real difference.
Stay on the employer plan. Sometimes it’s still the best value, especially when the employer pays a large share.
Private, underwritten plan. Priced on your health. Compare it against your family premium.
Marketplace (Pennie). If your employer’s offer isn’t considered affordable, you may qualify for a tax credit. Ask me to check.
Split the family. A spouse or kids on different plans sometimes costs less than everyone on one.
Three things when you compare. Look at the total cost: premium, deductible and out-of-pocket. Ask about family coverage separately. Don’t drop your job’s plan until the new one is active.
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When can you switch? Employer plans have their own open enrollment. Ask HR the dates.
Employer contributions. Some employers add to an HSA. Count it.
Never a gap. Line up the start dates so you’re never uncovered.
1. Is there a maximum out-of-pocket? 2. Is it an unlimited contract? 3. Is it guaranteed renewable? If a plan uses words like “deductible” and “PPO network,” that doesn’t automatically make it actual health insurance. These three questions do.
Send me an age and a zip code and I’ll send back a general idea of what’s available in your area. Twenty minutes, no charge, no pressure. Happy to answer any and all questions so you can make the most informed decision for you, your family, or your business.
