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I feel like it’s really easy to read the plan options and do the math to see what makes the most sense for you...
Just read the benefits package?
It’s always cheaper separately since the employer subsidizes the employee the most. Also better because you won’t have a family deductible to satisfy instead of an individual.
Also, congrats!
congrats for your marriage and hm can’t you ask the insurance company at your firm to give you an estimate before deciding? I am also not sure which decision will impact the independence forms you fill out at most big 4 firms.
I hope you guys are in different groups
Def cheaper. Maybe/maybe not better.
Depending on how deductible and maximum out of pockets are structured, you may assume a little more risk. On years where all are well, it’s probably cheaper. On years where both are not well, it’s probably more expensive.
You should look at cost and risk differences and compare to your personal situation.
^SA1 it was an “a or b” question so answering yes is (while logically correct) effectively useless