Re: Jobs.... Benefits...

Subject: Re: Jobs.... Benefits...
From: Gene Kim-Eng <techwr -at- genek -dot- com>
To: Stuart Burnfield <slb -at- westnet -dot- com -dot- au>
Date: Sat, 16 Mar 2013 23:37:02 -0700

Currently, private health insurance can vary from fairly affordable to prohibitively expensive to unavailable at any price if you have any one of hundreds of pre-existing conditions that insurers will use to refuse to sell you insurance. Starting in 2014, it will be illegal for insurers to refuse to sell you insurance because of pre-existing conditions, or to charge you higher rates because of them. It will also ban insurers from dropping you if you actually use your insurance, which can happen now. As a result, some people who have been paying low rates for coverage they would only get to use once before they're dropped will be paying more, but a lot of people who have been paying absurdly high rates or have been shut out altogether will see more reasonable costs.

Health insurance premiums are tax deductible as medical expenses, but only if they exceed 10% of your income, and then only the amount over 10% is deductible.

Gene Kim-Eng

On 3/16/2013 9:49 PM, Stuart Burnfield wrote:

Can TWs in the US take out private medical insurance so that they're guaranteed continuous cover even between jobs? Or is the cost prohibitive?

Are the premiums tax deductable, or only for contractors not employees, or not at all?

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Re: Jobs.... Benefits...: From: Stuart Burnfield

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