Health insurance decision

$100 a month cheaper for the new plan is what I would do, but I'm no expert. I figure you might save more up front than you would on any tax deductions.

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figuring I will save a good bit more by reducing my taxable income

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Someone is paying attention

It's absolutely insane that the feds haven't fixed this massive, massive disparity (insurance through your employer is tax deductible, insurance purchased on your own is only available as a medical itemized deduction, which is increasingly harder to get).

That $164/month really costs you less in actual dollars because of the tax favored status, likewise, you will save money - a decent amount, really - by switching all of your family onto your employee plan.

In other words, even though the amount paid to your insurer will go up by $1,131 a month, your net check will go down by a smaller amount.

Not to mention, it's likely a better plan, and it will be easier on you to only have to deal with one insurer for your entire family, than two.

Double and triple check the benefits and the network to be sure, but this sounds like a no-brainer to me.

$1300/month? I would find a new company.

Not a high deductible health plan so no HSA. The company only covers a portion of my insurance not the rest of the family. I think our plan is comparable for a similar size company in the industry