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Hello, Klara here. I should have probably put in my answer that I would not join a startup without healthcare. I was recently offered a job that I was seriously
by klara_engineer 10y ago
Hello, Klara here. I should have probably put in my answer that I would not join a startup without healthcare. I was recently offered a job that I was seriously considering. The caveat was that I'd be paid as a contractor and they would pay me the extra money for me to buy my own healthcare.
Healthcare for my husband and I would be $700-1000 a month. If we had a child, it would be closer to $1500 a month. Husband works at an early startup and doesn't have healthcare. ($1500 * 12) / (1 - 0.4) = $30k of extra income I would need to break even.
I cannot just buy Aetna insurance (in NY) because they don't sell individual plans. I'm not convinced that my other choices are good coverage (Oscar, NYS MetroPlus, etc).
Someday, we'll start a family and I want the best coverage possible.
- chris_7 10y agoDefinitely feeling that, I had to switch to a much-less-effective asthma med because my bad startup company insurance doesn't cover the one I've used for almost my entire post-childhood life. Then, couple that with the typical startup office dogs, and... wheeze.
- pjc50 10y agoHaving office dogs at the cost of employee heath should be as unacceptable as builders without hard hats.
- mrkurt 10y agoIt's so easy to provide healthcare now, that's a good criteria. Just send them to Gusto. Also 1099 / contractor is shady unless there's a really good reason.
- AndrewKemendo 10y agoIt's easy, it's not however usually affordable for anything but the best funded startups. Consider that the average cost of employee heath care would add 2-3k per employee per year. Very significant. http://smallbusiness.chron.com/cost-employee-benefits-employer-2694.html http://smallbusiness.chron.com/cost-employee-benefits-employ...