Why would he have to take a cut in salary?
I'm not quite sure on that. Our health insurance has always been through my employer so we didn't pay much attention to it when he switched jobs, then recently when I switched jobs we decided to look into it in case his was better. That's when HR said that they'd dock his salary. Its a small company, <50 people, so I'm not sure if that has something to do with it. My other thought is that his salary includes a "bonus" for not enrolling in health insurance. After hearing that realizing how much his premiums were over mine, we didn't look into it that much. Now that we're trying for a family it's a little different though. We both think it'd be a little awkward to ask our HR departments about info for when a baby comes when we're not even pregnant yet.
I looked onto the NY health exchange website, put in some info with a fake baby and received a couple quotes that were 800-1100/ month. I also put in just his salary and it said we'd be eligible for a $200/ month subsidy. Does anyone know anything about that? Will the go off of the previous years tax return? The best quote came from Fidelis but they have a disclaimer on their website stating : You can explore plans and prices, but please check with your employer before applying for a new plan:
1. If your employer covers part of your insurance premiums these new plans may be more expensive.
2. You may not be eligible for financial assistance; and
3. Your employer may face a penalty if you choose coverage outside your job-based plan.
Does any one have private insurance even though their work covers part of the premium? How does this work? When we compare the plans through his work it's like his insurance is covering the same amount for each plan, so I guess they'd only be covering a portion of his premiums. We really have no experience with getting health insurance not from an employer hah.