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well, but freelancers pay their own healthcare, 401k, etc. if you're running two well-paying full employments with all benefits, you have a sweet gig going. o
by pinaceae 10y ago
well, but freelancers pay their own healthcare, 401k, etc.
if you're running two well-paying full employments with all benefits, you have a sweet gig going.
only possible in the US due to the setup of healthcare and overall taxes, etc.
- lmm 10y ago> well, but freelancers pay their own healthcare, 401k, etc. And are paid more to compensate for it. Whereas if you're working for two employers you're "paying" for two sets of healthcare etc., which seems wasteful.
- 15thandwhatever 10y agoUS insurance carriers generally ask you to certify that you did not have insurance through another carrier/policy simultaneously (upon submission of a claim), as policies tend to have 100% coverage kick in on things like annual and lifetime maximum numbers. Double-dipping on insurance policies messes with their actuarial table calculations.
- sidlls 10y agoThat sort of certification is a practice that should be made illegal. I've just been bit by that when we transitioned my family from one earner's plan to the other. It created a pointless hastle for us and our care team. Insurers don't need to know if I have coverage through another insurer.
- emodendroket 10y agoYou could just tell whichever job has the worse benefits that your spouse's insurance handles it or whatever and continue on your way, probably.
- mikeryan 10y agoThats pretty simple to solve though, just decline coverage from the provider with the most limited coverage. This is pretty common as married couples usually only take the coverage from one spouse.