Time to renew our insurance at work. There are three of us on a group plan. Come to find out, an individual policy for me would cost $300 less (over 50%) per month than they're paying for me on the group plan. One of the attorneys on it could save $900 per month if he goes to an individual plan. The other attorney on it has a wife that has diabetes, and that's what's driving up the cost of our group plan. Of course, he'll be slightly screwed monetarily if we all were to go to individual plans. He's fighting tooth and nail for us to stay on a group plan for one more year, since his wife's pre-existing condition won't matter after the first of the year due to new legislation. In that amount of time, I could personally save approximately $1500 during that time.
They're in there right now trying to hash things out to decide if we want to go to the individual plans. On top of the savings on just my portion, my new plan would include dental and vision. I could very easily decide to go to this individual policy regardless of what they decide. Doing so, however, would mean that they all would since there would no longer be three people on the group plan. Without three people, we can't have a group plan. Are they asking me my opinion on this? No, of course not. It's still an option, though. Do I go with the individual plan regardless, even if it means possibly pissing off one of my bosses?
I guess this is in the rant thread because listening to them talk about it right now is because I'm frustrated. I'm sorry you're losing the $2500 you've already paid to your HSA, but losing $2500 probably doesn't affect you nearly as much as making $1500 more affects me. ASK ME WHAT I THINK!
It's never too late to become the person you were meant to be.