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Being a SAHM & health insurance...(long)
I have a random question, and hope that I can get some advice and/or info from you all.
My husband and I are in the middle of the adoption process, and are looking at being placed with a sibling group of three within the next month or so. We currently have an 20 m/o foster son, so we could be a family of six very soon.
Here's my dilemma. I am a teacher, and while I love my job, I would really like to be a SAHM. Unfortunately, I can't quit my job because I desperately need the health insurance. I have a congenital heart condition, which needs to be monitored and treated through regular testing, surgical procedures, and medication.
My husband is a small business owner, and doesn't have group insurance. I've called around to see how much it would be for individual insurance, and every place that I've called has quoted me some ridiculous price (i.e. > $800 a month). Additionally, I've been told that it wouldn't be secure, and I could be dropped at any time.
So now I'm thinking that my only option would be to get a part time job that offers insurance benefits. This way I can be somewhat of a SAHM. Here's my question to you. What kind of part time jobs are out there that offer health insurance? I live in a small town of about 12,000 people, so I really think my options are limited.
This frustrates me to no end, and if I can't find anything I will continue to teach. However, I'm really hoping there's something out there. Thanks for reading this far.
Re: Being a SAHM & health insurance...(long)
I think you will find that it's going to make more sense to stay at your teaching job. I know that Starbucks offers health insurance to part time employees and I think you must work at least 20 hours per week. I know I wouldn't want to go from a teacher's salary to an $8 an hour job where I still have to work 20 hours, including during the summer and school breaks. Then you'll have to worry about childcare in the summer and will spend more on that then you even make. Plus, what I've read about the part time jobs that provide health insurance is that it's pretty common for the employer's need for part time employees to fluctuate, and there is never a guarantee that you will be given enough hours to qualify for health insurance. If that were to happen, you'd be up a creek, and Cobra for a family of five would be astronomically expensive (although, I bet you will be able to keep the kids on Medicaid since you are adopting a sibling group).
A lot of people (including my mom, who works as a school nurse) work only for the health insurance. I know it sucks. My DH and I are also self employed, and we've had some really frustrating experiences trying to obtain health insurance.
that's hard. i agree that your best option is likely to keep the teaching job that you have. you don't mention how old the kids are, but that would at least put you on a similar schedule to them once they're school-aged.
...either that, or your husband should look into selling his business and taking a job elsewhere, where he can get coverage for all of you.
neither of these are ideal situations, but i think they might be your only decent options.
If you being a SAHM is a priority for your family, your husband is going to need to sell his business and go to work for an employer that provides group insurance.
You're going to be hard pressed to find a part-time job that 1) offers health insurance anywhere close to as good as what you have, and 2) will pay enough to offset the cost of childcare for 4 children (even part-time care will likely run you close to $800/month, which is what you'd be paying for your own insurance anyway).
Ditto this. My husband is a small business owner who brings in 3x my income. He and I both have pre existing conditions. I will be working in traditional employment until I am 65 because we are uninsurable and what he could make as an employee is a fraction of what he a make as an entrepreneur. We don't need my income (which will top out in the low six figures) and I could make more as a self employed consultant anyway. We will never have kids because my job is not suited to doing so. Greatest country in the world...
Thanks to everyone for the advice. I knew deep down staying at my current job was the wisest decision, but I was really hoping that perhaps there were some other options out there.
I would never dream of asking DH to sell his business, because 1. He makes quite a bit more $$ than I do, and 2. He's had it for 15 years and it's doing well. Plus, his hours are very flexible and he would be able to stay home with the kids if necessary.
Plus you all are right about the fact that I will have summer vacation, and every other break to stay with them. I think I just needed a dose of rational logic before making any rash decisions. Thanks!!
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