<prompt> Human: Using a throwaway to protect my main account. This will certainly not apply to everyone, but has been a huge boon to my wife and I.I started my first job out of college 3 months ago, and just became eligible for my companys health insurance plan. However, were both under 26 and can stay on our parents family plans for at least two more years. I asked my employer if A I could opt out of the plan and B they would pay me what they otherwise would have had to pay on my behalf. They were completely fine with that, so I now make an extra 500month.Obviously this only applies to a small group of people, but its already been a huge benefit to us and could be to others as well. We now have an extra 4kyear or so after taxes to put towards my student loans and saving for a house down payment. If youre under 26 and your parents need a family insurance plan anyway, ask your employer! It certainly cant hurt.  <response>: I opted-out since Im on my wifes plan, and I believe I am paid 83month, which is just shy of 1000yr. 