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Jim and Stephanie are considering changing their health care insurance plans to be more affordable. Currently, both are insured through their own employers.

Jim's Employer:
- Monthly premium: [tex]$378
- Employer pays: 42% of Jim's premium
- Additional beneficiaries: $[/tex]345 per person
- Employer pays: 23% of each additional beneficiary's premium

Stephanie's Employer:
- Monthly premium: [tex]$298
- Employer pays: 35% of Stephanie's premium (+10% for each additional beneficiary)
- Additional beneficiaries: $[/tex]349 per person
- Employer pays: 30% of each additional beneficiary's premium

Sagot :

GinnyAnswer
Let's determine the costs and employer contributions for Jim's and Stephanie's healthcare insurance plans in detail.

### Jim's Insurance Plan

1. Jim's Monthly Premium:
- Total Monthly Premium: \[tex]$378 - Employer Contribution (%): 42% - Employer Contribution (amount): \[ 378 \times \frac{42}{100} = 158.76 \] - Jim's Out-of-Pocket Cost: \[ 378 - 158.76 = 219.24 \] 2. Premium for Additional Beneficiaries under Jim's Plan: - Total Premium per Additional Beneficiary: \$[/tex]345
- Employer Contribution (%): 23%
- Employer Contribution (amount):
[tex]\[ 345 \times \frac{23}{100} = 79.35 \][/tex]

### Stephanie's Insurance Plan

1. Stephanie's Monthly Premium:
- Total Monthly Premium: \[tex]$298 - Employer Contribution (%): 35% - Employer Contribution (amount): \[ 298 \times \frac{35}{100} = 104.30 \] - Stephanie's Out-of-Pocket Cost: \[ 298 - 104.30 = 193.70 \] 2. Premium for Additional Beneficiaries under Stephanie's Plan: - Total Premium per Additional Beneficiary: \$[/tex]349
- Employer Contribution (%): 30%
- Employer Contribution (amount):
[tex]\[ 349 \times \frac{30}{100} = 104.70 \][/tex]

### Summary of Contributions and Costs

- Jim's Employer Contribution: \[tex]$158.76 - Jim's Out-of-Pocket Cost: \$[/tex]219.24
- Employer Contribution for Additional Beneficiaries under Jim's Plan: \[tex]$79.35 - Stephanie's Employer Contribution: \$[/tex]104.30
- Stephanie's Out-of-Pocket Cost: \[tex]$193.70 - Employer Contribution for Additional Beneficiaries under Stephanie's Plan: \$[/tex]104.70

These calculations show both the contributions made by the employers and the out-of-pocket expenses that Jim and Stephanie would incur for their insurance plans and any additional beneficiaries.
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