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If your boss gives you extra cash to buy your own insurance (instead of buying a company plan) then it is taxable income to you, and whatever you do with that money is up to you. If you buy insurance, then you take the itemized deduction (subject to the 10% rule) and/or the premium tax credit, because you bought your own plan privately. That's all there is to it.
While it may be to your advantage to have the employer provide a group plan, it may not be to their advantage. Even if it is cost-neutral, the paperwork is a nightmare.
If your boss gives you extra cash to buy your own insurance (instead of buying a company plan) then it is taxable income to you, and whatever you do with that money is up to you. If you buy insurance, then you take the itemized deduction (subject to the 10% rule) and/or the premium tax credit, because you bought your own plan privately. That's all there is to it.
While it may be to your advantage to have the employer provide a group plan, it may not be to their advantage. Even if it is cost-neutral, the paperwork is a nightmare.
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