I work as a consultant as w-2 with a company. Most consultants get crap health insurance from their employer. I went the consultant route because you make more money upfront as a single person. But your insurance benefits are minimal.

So in my current role I had for 5 years if I went none consultant but fulltime with the company my salary would have been 70K but as a consultant I started at 110K, Today I make 125K pre-tax but that position would probably pay me close to 100K if I was fulltime

it's still cheaper with the law. the part of the law I hate is the penalty

that’s not good..do you not owe government money?

yeah i am 47 now so i will get insurance

What was the logic that the state decided to use pre-tax and not post tax salary?

Why does the state not include rent/mortgage and utilities but it includes student loans?