Originally Posted by brshooter
We are moving to the Boise area and I will be telecommuting my current job from there. Challenge i am trying to figure out is health insurance. Our organization (a nonprofit) uses Providence for our health insurance. Providence does not cover Idaho. I checked with a couple of Idaho insurance agencies and they will not sell to an Oregon entity. I was told that with all the ACA compliance issues, I cannot simply buy an individual plan and have the company reimburse me for it. I found something about a "Defined Contribution Health Plan" and wondered if anyone knew anything about that. I wouldn't think I have to reinvent the wheel on this as telecommuting is becoming more and more popular. Any comments and suggestions form other telecommuters or health insurance experts?
Thanks in advance.
Who told you that Providence won't cover Idaho? That's not true. The particular plan your employer has chosen to offer may not cover Idaho but Providence has plans that do. You may have the "Connect" plan that has a smaller network based in Portland. Providence PPO networks are multi-state and they contract with a national PPO network. Hopefully your employer offers a plan option with access to that.
This shouldn't really be that complicated to fix if your employer is willing to work with you a little.
Do not have your employer give you money in lieu because you and your employer will both suffer on taxes.
Your employers broker should be able to help you with this situation.