Ask HN: Remote work and benefits

4 pointsdudul2 comments

Question for remote workers in the US. For those who work for a company based in state A and live in state B, how does it work for your benefits? Especially health coverage. Different states have different requirements/laws/regulations. Is it sometimes a problem if the health insurance company provided by your employer doesn't operate in your state of residence?

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My employer uses Trinet for payroll and health insurance. In theory it's a good idea, but for some reason they only offer terrible health plans in my state. It was so bad I opted to buy health insurance on the open market, despite it coming from post-taxed income.

My employer does payroll and benefits through a 3rd party provider. This provider has a nexus in my state, which allows me to claim local taxes as well as get a healthcare plan that meets my state minimums as well as has providers in my area.

Technically I'm a dual employee of the 3rd party payroll company and my employer (My W-2s have the payroll provider listed).

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