<prompt> Human: Ive been extremely motivated to increase my salary and have been all over the job market the past couple of months. I found a position at a new company that is an amazing fit for me, plus it would have been approximately a 34 raise. I asked the recruiter for the employee handbook and discovered my health insurance costs would increase about 112 from 163.72 per pay period to 347.35 per pay period both figures include myself spouse child. This increase in costs would have in fact eaten about half of my raise. Ive decided to decline the offer and I am instead in the middle of the interview process for a management position at my current company. At most, the pay increase will be 25. However, the cost of my benefits wont change and Ill get to pocket the entire amount of the raise. Just something to think about. In the event youre leaving your job to take a higher salary, ask to see the employee handbook and cost of benefits before you become too invested.Edit: Mathematical error was pointed out and corrected.Other specifics to consider: Co-pays and deductibles of plans Pension401k planemployer match Success sharing Employee stock purchase program Tuition reimbursement Commutedrive time Work environmentculture Will you be happy? Will this be good for your career in the long run? Any other miscellaneous benefits  <response>: I took a new job knowing there would be next to no benefits. I calculated it all beforehand and judged it was worthwhile.However parts I didnt consider. I got a ACA plan for 350mo, which last the 6 months before new year roll around. Didnt expect the next plan to jump up to 430mo. That hurt. Traveling distance... I knew it was further, but didnt quite realize how much further. 8 miles each way to 25. So 80 miles a week to 250... what previously was nearly a months worth of gas dropped to weekly. Thats another 90mo I didnt really consider think I considered half it. That also brought up how often I needed oil changes, which are somewhat negligible in long run but more time taken out of day and unexpected expenses more like different schedule than previously expected.Biggest thing though was time. I knew I wasnt going to have vacation days or sick days, so any time off would eat into how much I made. So I calculated 20 days off to start since last job had 2 paid weeks, plus 5 holidays, and I paid for an extra week that was 4 weeks off. Well that was all fine and dandy, but I didnt know that my new job shut down for 2 weeks around Christmas, no choice about it. I also didnt know they actually had more holidays I was forced to take. But most of all I didnt expect the psychological toll in not wanting to take even an hour off to get to a Drs appointment. I had other hourly jobs before, but for some reason this time around its really wearing on me and struggling to allow myself to take a half day every now and then, because the opportunity cost. Even though I had calculated beforehand and expect to make less, its hard to give it up.The job is 1000x better so its worth it, but in the end financially its about the same. I expect next year healthcare will go up even more and itll be a loss even though health costs wouldve gone up there too, its far more dramatic when youre paying the full marketplace price than a share of employers price. 