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Hello, my wife and I are expecting a baby this December. Does it make sense to have her go through her employers insurance alone rather than have a family plan with a higher deductible that we are currently on? Or does it end up being the same?
Currently deductible $7200 (family HDP + HSA)
Wife’s deductible if moved alone $2400
First time going through this so I’m trying to see what would work out better at the PwC" class="linkified" target="_blank" rel="nofollow" >end.PwC
Amazon prime from chase. 5% Amazon including fresh and Whole Foods, 2% gas and 1% everything else. I have that one, chase Freedom and chase sapphire preferred for travel.
I don’t like fees or spend enough for them to be worthwhile so I have an Amazon card for Amazon purchases (mentioned earlier) and a Citi Double Cash (2% back on everything) for everything else. I could probably optimize slightly more but the two work great as a set it and forget it tandem.
Capone 1.5% cash back for everything. Costco citi 4% fuel, 3% restaurants and travel, 2% Costco and 1% for everything else, Amex blue cash preferred for 6% on groceries.