@mochi23 wrote:
Thank you opus 17!
I don't know how good a deal you are getting from your partner's employer, but it wouldn't hurt to shop around. Depending on your income, you might qualify for a Marketplace subsidy, and you could use the self-employment tax deduction for your premiums. Even if your partner's employer has a really good deal, you might be able to balance the increased premiums against the decreased tax.
https://turbotax.intuit.com/tax-tips/home-ownership/deducting-health-insurance-premiums-if-youre-sel...
Also, here's a trick if your partner's plan is a high deductible plan that is eligible for a health savings account (HSA). If you are covered by a qualifying HDHP, and you are not a dependent, then you can open an HSA in your own name, even if you are not the owner of the insurance policy. You are eligible as long as you are covered. And since you are not legally married, the married limit on HSA contributions doesn't apply. So your partner could contribute the maximum under a family insurance policy (since your partner covers you) which is $7300 for 2022 and $7750 for 2023, and you could also separately contribute up to the same amount in an HSA in your own name, that you can open with a bank of your choice. And if you are HSA eligible and did not make contributions for 2022, you can do that retroactively and take a tax deduction, up to the filing deadline. Just be sure to tell the bank you want to make a prior year contribution, so they don't record it as a current year contribution.
