<prompt> Human: My friend has been a nanny for a wealthy family for about 3 years. She currently gets paid cash 23 an hour and works approximately 55 hours a week. She does take some unpaid time off, so she probably makes 65,000 a year. She recently told them she cant do this much longer since shes 25 and will soon be kicked off of her parents insurance October 2016. Since the family desperately needs her they said theyre willing to work with her to get her on the books and still make the same shes making now. So, my question is what does her hourly pay need to be so that she has 65K a year after insurance premiums and taxes. She lives in Connecticut. Also, would she be a contractor?Thanks!  <response>: She has 3 options.Option 1 legal would be to go on the books as a W2 household employee nannys arent 1099 contractors. If family wanted to provide insurance FOR HER with some premium subsidy pre-tax they could go to the CT small business exchange and set that up.Option 2 legal would be for her to become W2 employee with no health benefits offered thru employer. She could then purchase insurance individually on the exchange. She will not be eligible for subsidies.Option 3 not really legal would be for her to continue getting paid under the table and acquire insurance for herself on the exchange. She will have to report income here. If she reported very low income shed likely be eligible for insurance subsidies, but would also be committing fraud. 