Hi, all. I am currently employed at a private company that provides no group health insurance. I am paying $1134/month for insurance on ACA (I do not get subsidy because of having to report my husband's income, even though he will not be on my insurance). I have been offered a job , but it has a 20% cut in pay compared to my current salary.That is after taking the insurance off the top.I might add, my lousy insurance pays NOTHING until I reach my $7350 deductible. Comments?