Last year I put my wife on my medical/dental insurance because she wasn't working. She ended up getting a job at a bank. Last November we had an enrollment period for medical/dental insurance. She did not show me the costs and wanted to be on my insurance. I was thinking that was fine, figuring it would be cheaper, I get to contribute to my HSA at the family maximum. However, now I find out having separate medical/dental insurances would have been cheaper than combining onto one. She tells me to forget it because it's already past the enrollment window. I think she avoided telling me the cost on purpose because I'm splitting bills 72/28 percent based on our incomes. She pays her own car insurance because it's a separate bill. Should I be covering her medical/dental insurance based on our incomes too? We already split the rent and groceries by 72/28. She has the 28%, so it's costing me more. There's pro's and con's in this marriage, but I'm not desiring sex from her anymore and we've only been married 1 year. I feel that I am better off by myself. Thank goodness no kids, no combined bank account (although she dislikes this), and prenuptial agreement in place. I am protecting my own finances.
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Thanks for the input. She doesn't want kids. At least not yet. I was hoping being married would have some benefits too. It's great to have someone else help with chores and help support the rent. It's nice having some company too. The 78/22 is just what 50/50 works out to be when looking at our incomes. I make more, so I pay more. In some aspect I do look at it as a roommate deal except the fact we are not both paying equal amounts because this is a relationship. With the insurance she was probably thinking if we have our own plans, she'll pay 100% for her premium costs and I'll pay 100% for premium costs. Similar to what we do for car insurance. Do I support my wife in all bills or just joint bills we share like rent and groceries. Now if an emergency I'd surely pay to avoid her getting penalties or having credit issues
Edited by encryptor (01/10/24 06:01 PM)
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