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Thanks for all the responses. While I'm definitely onboard with general idea of "deterrence" - ie: education on consequences of unprotected sex, including STD's and pregnancy, I still have in the back of my mind the (sadly distant!) memory of the raging hormonal tempest that constitutes the...

Thanks for the reply - agree that the premium increase is not worth it for coverage of a simple pregnancy/delivery - and I've got the savings to self-insure for that. What worries me is the unlikely event of some kind of massive complications that might arise...just as examples: a premature...

Another part of my upcoming insurance decision has to do with my 11 yo daughter. Most of the Anthem plans in CA do not include any coverage whatsoever for Maternity-related medical expenses, and the few that do are a fair amount more expensive. Although my daughter is currently a very...

My daughter (11) and I (50) are now covered under individual plans from Anthem Blue Cross in CA. We currently have the option, expiring on June 30th, to switch from our current plans which are "Grandfathered" under the ACA, to new "non-grandfathered" plans. This option was apparently the...

At least in the case of the plan I'm in, there are no fees at all, other than the generally very low negotiated expenses on the investment choices, which are exactly the same as those in our 401K.

I've also been in a plan very similar to this, and it has been a *major* wealth-building vehicle. In my megacorp's plan (YMMV) the money grows tax-deferred until distribution. Payroll tax is deducted at the time you contribute into the fund, and no payroll tax is due on the distributions, even...

Thanks to everyone who responded... Donzo - Continued employer-paid health insurance would be nice dream, but it's into the private market for that I'm afraid...that was probably my biggest single point of concern in pulling the trigger, but I've worked the numbers pretty hard, and my...

Megacorp has been pretty good to me thru 2 decades, but the last few years have seen a major reversal of culture, and the fun disappeared (along with a lot of my coworker's jobs...). A couple of days ago I got offered the package-to-leave that I've been waiting for. Years of lurking on this...