Well. Under the old regime, my family was paying about $2000 a month for premium blue shield/cross for three. 44, 46, and 17 years old. BUT, my work was subsidizing my insurance so I only paid $800/month. Without subsidy, $1000, in fact, costs the family more.
So, my partner and I "split up". We stopped filing a domestic partnership in California and now, I pay 175$ a month. She pays $100 a month. And her son pays nothing (Medical).
By breaking up the logical family unit, we saved over $500 a month because my partner makes around $20K a year.
Yes, people have run the simulations and the ones I read said they could find absolutely no scenario where being married doesn't cost more. Often a LOT more, as you're found out.
"I'm not so sure this is working out."
Well, that might depend on your objectives. E.g. many can't help but notice that in general married women vote Republican, single Democrat.
What I'm specifically pointing out is that, if my partner is officially married to me, her 20K is added to my salary (let's say 100K for arguments sake) And now, according to the government, we make 120K. We are placed in that 120K married bracket which is NOT a whole lot different that say someone making 80-100K individually. But, if you divide by two: 120 becomes 60K each. Being married in the USA has very little financial advantage.
So, my partner and I "split up". We stopped filing a domestic partnership in California and now, I pay 175$ a month. She pays $100 a month. And her son pays nothing (Medical).
By breaking up the logical family unit, we saved over $500 a month because my partner makes around $20K a year.
I'm not so sure this is working out.