A follow-up to all this health insurance rigmarole: I discovered Friday that because my employer has been deducting my health insurance premiums through their plan, they deduct them pre-tax. So terminating this overpriced coverage bumped me into a higher tax bracket, which means I have been fighting to get insurance through the marketplace for three months only to find that now that I have done so, it actually puts me in a worse financial position. My take-home pay is higher, but once I pay for my health insurance premiums post-tax, I will actually have less money than had I just left the whole thing alone.
[insert sad trombone music: *womp-womp-WOMP*]
I went home from work Friday night completely defeated. A little angry, but mostly just beaten down, because there is pretty much no hope of me getting a raise at work, since I work at a cash-strapped social services non-profit. Many of the staff here are working multiple jobs to pay their bills. I don’t know anyone who is getting their family’s insurance through the company because it is so cost-prohibitive, and the salary increases we occasionally get do not keep pace with the cost of living.
It is a frustrating position to be in when you believe in the mission of an organization but realize you can’t afford to work there.
So the writing is on the wall. I need to move on. But the 800-dollar question is, to where?
Oh, and by the way, California is running out of water. So there’s also that then.
But then the world also made this:
|Source: attackofthecute.com. Naturally.|
So something is going right out there. Right? You think?
* Technically, the glass is not half-empty or half-full. It is always full – half with water, half with air. Didn’t I blow your mind this time? Didn’t I?