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Step 1
Understand that you will not be able to include your nanny on your family's health insurance plan because she is not a member of the family.
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Step 2
Consider hiring a nanny from an agency that offers health insurance.
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Step 3
Contact HMOs and health insurance companies in your area to get information about individual policies. Note that these will be very expensive. You may wish to offer to pay a portion of the cost and let the nanny pay the rest.
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Step 4
Realize that you may wish to find a limited single provider plan from an HMO. Your nanny can receive health care as long as she obtains it from a limited group of physicians.
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Step 5
Know that if you own your own business, you can join a local chamber of commerce and purchase health care for your business employees at group rates. If you hire your nanny so that she is an employee of your business, you can then get health insurance for her this way.
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Step 6
Consider offering to reimburse your nanny for a certain sum of money each month that she spends on health care.
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Step 7
Think about what else you can offer your nanny if you cannot afford to pay for health insurance for her.
Comments
jwilcher said
on 11/17/2009 Another option would be to offer a health discount plan. They are very affordable. For a single person the most expensive plan is $39.95 per month. That would include Physician Care, Ancillary Services, Hospital Advocacy, Vision, Prescription, NurselLine, Hearing Plan and Dental.
You may want to do some research here http://www.mybenefitsplus.com/juni
NannyBeachBum said
on 2/13/2008 **Agencies do not offer nannies health insurance plans as agencies do not employ nannies. Families do. Agencies can offer referrals to health care providers/brokers.
**A nanny can receive health care from *any* insurance provider that she chooses.
**It is illegal for a nanny to be a business employee of the family's private business, since she is an employee of the family and offers her services to the family- NOT the business, allowing the family to take a tax break at the end of the year. Therefore making the option of providing "family-owned business healthcare" not an option.
**If you reimburse your nanny healthcare costs/a stipend, it is 100% non-taxable.