Health insurance: what makes more sense for me and mine?
I am on my wife’s health insurance plan. She works for LAUSD and gets awesome benefits. However, since we are not married (we are Domestic Partners in the state of C.A.) she has to pay taxes on my benefits (Don’t anybody tell me Domestic Partnership is the same as marriage.) My benefits increase her taxable income by almost 5 grand a year. Since she is single with no dependents she pays a lot of taxes.
My job offers health insurance, but it’s not good.
So, would it make more sense, and cost us less money, if I got an individual plan and paid monthly for it? I checked out some plans, and for what I want I would have to pay about the same amount that is considered taxable income for my wife—about $350 a month.
I’m a totally ignorant about this stuff. My extra question is, would waiting for the health care bill to pass make any difference in regards to what I might pay for an individual plan?
This question is in the General Section. Responses must be helpful and on-topic.