Link In Reduced Salary & Insurance: What You Need To Know
- April 13, 2023
- Ask Betty!

Welcome to this week‘s episode of “Ask Betty!”, Episode 148 focusing on REDUCED SALARIES.
We have a great question from rnLondon_95 who asks why their hourly wage is lowered for taking their agency‘s health insurance plan.
Q from YOU to Ninja HQ
“I get paid five dollars less an hour and have to pay $39 a week for insurance with my agency. Why the reduced salary?”
Reduced Salaries - Hit You Right In the Wallet
At first, this question might seem a bit confusing but it is a relatively common occurrence for those who choose to receive health insurance through their employer or agency. The truth is, the agency will have to pay at least 50% of the cost of your coverage which is why they end up cutting your wages to make up for it. When you take Individual coverage with an Employer, you automatically COST that Employer $500-600 a month!
This means that along with a REDUCED SALARY, you will STILL have payroll deductions for a part of the cost of your coverage each week, making the whole deal quite costly.
In total, you are looking at approximately $300 to $800 per month in lost wages in addition to your weekly $156 insurance deduction. This adds up to an estimated total of $876 a month.
Seek Alternatives to Escaping a Reduced Salary
It is understandable why rnLondon_95 might be feeling a bit frustrated. As stated above, it is commonplace for these kinds of deductions to be taken from someone’s wage for taking agency or employer health insurance. Though it can be costly, it might be worth considering exactly how much you are losing each month with the deductions AND reduced salary and whether or not there could be another form of health insurance you could use as an alternative.

Need More Info on Reduced Salaries or Other Health Insurance Conumdrums?
If you are currently having difficulty understanding or navigating the world of health insurance, we are here to help. Feel free to PM your health insurance questions to Ninja Betty (FB @healthinsuranceninjas) and if selected, your question may be featured in an episode of “Ask Betty!”.
As an added bonus, you will also receive a $25 Amazon gift certificate for submitting a question.
We hope this episode has provided some clarification on why an agency might decrease hourly wages for taking their insurance plan. Thank you for tuning into this week’s episode of “Ask Betty!”. Until next time, stay safe and healthy.
Ask Betty!
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PM your insurance question to Ninja Betty via our Facebook Business page (here).
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Link In Reduced Salary & Insurance: What You Need To Know
- April 13, 2023
- Ask Betty!

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The Ninja News Flash⚡
Get your bi-weekly dose of “Ask Betty!” series. This is an activity that YOU can participate in, and if YOUR question is used in an Episode, we’ll email you a $25 Amazon gift card! Good luck.
PM your insurance question to Ninja Betty via our Facebook Business page (here).
Stay in the Ninja News Loop!
Subscribe to our monthly newsletter & receive all our free resources once a month in your Inbox.

Check Us Out!

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