Compensation in lieu of Medical Benefits????

I am considering taking a promising position...However, the new company- a small, local business, is not able to provide medical/dental insurance.They are willing to compensate me if I opt to purchase an individual plan.What is the best option- wait it out for a position that offers coverage or ask to be compensated for an individual plan?Who to go through for insurance?How do I make sure I get the best coverage for my money?How much should I negoiate compensation with my employer?
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Hello.I am working in a small company (13 employees) as the office manager, who handles everything.I know every state - insurance company has different rules.But Small Group Insurance benefits/Individual benefits are very limited.Even your employer reimburse you for the premiums, the benefits are considerably inadequate compared to "Big Company's" benefits.Especially, if you have "pre-conditioned" medical problem...you will most likely have to wait for 12 months after the enrollment to get any coverage for your athma medications/treatments.Is this "prospective employer" will offer the medical insurance in near future?Are they growing?I would not say you need to give up your great opportunity.But if you are going to take the position, I hope the salary is good enough to cover the medical expenses that may occur.(I really hope you stay healthy that makes no difference having a good insurance or inadequate one.) If you are single and late 20's or early 30's.The company will only reimburse you for the premium only, which will probably from $170~$250 per month at most including dental & vision.If I were you...., I would wait out unless the company is really growing and growing.It is sad to say but there are so much "small company" can offer.I myself would like to get the best medical benefits for my employees/co-workers but we just don't have options to upgrade because we are "Small Company".So Good Luck!!
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