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WOW Ins. is expensive!

Discussion in 'Business Operations' started by promower, Jan 17, 2006.

  1. promower

    promower LawnSite Bronze Member
    Messages: 1,233

    Got some quotes today, for a group health Ins. plan for me, wife and otpions for employee insurance. $498.00 a month for me and my wife, not to bad. If we have a baby, it jumps $965.00 getting expensive now. If an employee wants insurance I'm looking at about $150.00, if he/she is married and want a family plan it goes up to a minimum of $666.00 a month. Multiply that by even the minimum $150.00 by 5 guys this summer, and me and the wife are thinking about expanding the family soon thats a pretty good chunk of change, like close to $20,000 in cash. To be honest I dont think I'm going to be able offer insurance for another year. Time to move to Canada:rolleyes:
  2. Carolina Cuts

    Carolina Cuts LawnSite Bronze Member
    Messages: 1,152

    wow, now that's something to look forward to. :cry:
  3. rodfather

    rodfather LawnSite Fanatic
    Messages: 9,501

    $498 for you and your wife is cheap...I am paying $431 right now for just myself.
  4. Trinity Lawn Care  LLC

    Trinity Lawn Care LLC LawnSite Senior Member
    from NJ
    Messages: 946

    Yeah that is not bad. When I was working for a consulting company insurance for my wife and I (no kids) was almost 1k a month.

    We are looking to go with a new company that will be a little over $400 for the two of us. Is your wife an employee or partner? It is definitely cheaper for two employees (or owners) than employee + one, etc.
  5. promower

    promower LawnSite Bronze Member
    Messages: 1,233

    Our age (18-29) effected premiums a lot, sorry Rod:) I know I wont be hiring anyone over 65 though, $1,061 for single coverage lol.
  6. out4now

    out4now LawnSite Bronze Member
    from AZ
    Messages: 1,796

    Anyone else notice the unlucky combination of numbers in the quote of $666.00 a month the three first numbers seem to have a double meaning of necessary evil. :eek:
  7. Runner

    Runner LawnSite Fanatic
    Messages: 13,497

    I'll let you know June 6th of this year.:eek:
  8. tiedeman

    tiedeman LawnSite Fanatic
    from earth
    Messages: 8,745

    that is what I was thinking as well, seems cheap.

    Get this, my wife works at the hospital part time, and health insurance through them is around $525 a month for us. Now, once she goes full time (this summer) health insurance drops to like $180 a month for us. Bring on the full time baby!!!
  9. grandview (2006)

    grandview (2006) LawnSite Gold Member
    Messages: 3,465

    Check around with your local chamber of commerce.In N.Y. we have whats called Healthy N.Y. for low income so if your accountant is good maybe you would qualify for it check with your state . For us a family plan was 225.00 a month.My wife got a job thats pays benefits now its only 40.00 a month.:)
  10. Brianslawn

    Brianslawn LawnSite Silver Member
    Messages: 2,004

    less than $100/month for me. you want my agents #?

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