How do you handle if both j1 and j2 offer health insurance or 401k? Do you decline if they’re the through the same provider?

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Great question. If they’re through the same provider I would think you would decline. If not, I would think you would go with the company that provides the better insurance?

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Agree, choose the one that provides the best benefits and not both, it could get muddy. I would do both 401k options unless it’s with the same provider.

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On healthcare you can have two. Use one as a primary and then also present the other as a secondary insurance so it picks up what is left. You basically can get close to free healthcare. 401k is trick because if you do both you could over invest (above 19.5k a year) and then you’ll face IRS penalties.

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