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Mar. 13th, 2013 | 04:47 am

So, here's the thing:

I got a new job. A job that I really, really want to take. A job that's not exactly my dream job, but could lead to it. I can start on March 18.

This job doesn't offer health benefits.

They start everyone part-time. I can live on part-time wages for a while easily, but I don't know about going without health benefits. I've even got a doctor's appointment on March 28. So do I work two jobs until I get full-time? Do I buy private insurance? Or do I work one part-time job and go without insurance?

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from: asakiyume
date: Mar. 13th, 2013 02:00 pm (UTC)

Do they have a schedule for when you'd become full-time and/or get benefits?

If so, you could maybe go without health insurance until then? (Depends on how long a wait it is and how high your regular health expenses are.) If not, then I guess it gets right away to how high your regular health expenses are. I guess you also have to think in a clear-eyed way about how easy/difficult it would be to work two jobs, etc. etc.

It's a tricky situation, for sure. I want you to be able to take that new job, though!

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(no subject)

from: affablestranger
date: Mar. 17th, 2013 03:54 am (UTC)

Hard call.

If you can afford private health insurance and qualify for it, if indeed whatever company you go with requires anything, then get it *and* take the p/t job, dropping the private health insurance a few months after you have benefits. You know, just in case. That's the best scenario.

The biggest practical consideration is: Can you afford not to have health insurance for whatever 'routine health maintenance' for you is? If so, then go without it for a while until you get bennies. If you can't, then pause and take real stock of whatever risks there may be in going without.

It all comes down to: Do you want to risk it? I hate to have it sound so melodramatic, but that's the question at it's most basic. Alas, life can unpredictable... which is why we have insurance.

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