Some people have wondered why I continue to enroll in a health insurance through my employer when the premiums that are deducted from my paycheck pre-tax seem so high, $1,691.00 per month for my spouse (57) and me (53) for Blue Shield PPO with a $500 deductible. They asked why don't I purchase health insurance on the open marketplace through the Affordable Care Act? In California, the ACA is known as Covered California. It is offered to those whose employer does not offer any health insurance. It is lower in cost because it is subsidized by other taxpayers(me!). And there are income limits. So I don't qualify for this. If I purchase health insurance outside of my employer, the premiums are paid with after-tax income. It comes out costlier, in my situation, but not enough to qualify me for any income tax deduction.
My other choices offered to me and my spouse are Blue Shield HMO for $2,266 a month, Kaiser HMO for $1,347 a month, and a Blue Shield High Deductible ($5,000? per person) with HSA for $1,146 a month.
Perhaps part of the problem is that I continue to work, and my earned income disqualifies me from the subsidies enjoyed by many.