My last job had benefits, but required me to travel 75% of the time. What allowed me to take this job is the existence of the Affordable Care Act. The current company I work for is akin to contracting work. You are a little better paid, but you don't have any benefits.
Both myself and my partner have pre-existing conditions. He has a heart condition and takes 14 drugs a day. I had a benign brain tumor and have to be checked with an MRI every two years.
I logged into healthcare.gov and looked at all the options. Using the site was a breeze. We chose a platinum version. Together we'll be paying $770 a month with zero deductible and a maximum out-of-pocket of $2,000 for each of us. At my previous job, I was paying almost the same but the deductible was almost $8,000. And all our doctors are in the plan.
Now, I don't feel like I'm constrained. Health benefits is not a deciding factor for where I work anymore. It gives me more freedom to do what I want professionally.
|Overnight Avg Rate||Latest||Change||Last Week|
|30 yr fixed||4.32%||4.26%|
|15 yr fixed||3.36%||3.27%|
|30 yr refi||4.31%||4.24%|
|15 yr refi||3.34%||3.25%|
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