| > Regarding the long term relationship, if we move we are going to move as a family (2 kids included :)) Have a plan for covering your family members' health insurance. You can use this website to compare NJ's individual marketplace for health insurance plans here[1]. Get the details of what your partner's employer is offering for health insurance, including what the costs are for each additional member of your family. Find out what the total cost of coverage is for COBRA should your partner be laid off and you want to keep your healthcare coverage. Health insurance rates skyrocket when it comes to covering family members if your employer isn't paying your premiums and deductibles for you. Family plans can have deductibles alone of over $14k every year, with premiums in the thousands of dollars per month. Once you know the details of the offered plans, use the insurance company's website to see if there are any providers that take the plans in your area, including hospitals and emergency rooms. I say this because even if you have health insurance, that doesn't mean healthcare providers will take it. It's especially important with kids, because if you need to take them to the emergency room, you will be paying a large premium for doing so even if you get little to no care at all. It's very easy to walk away from a emergency room visit with a bill for tens of thousands of dollars for even minor emergencies. You'll also need separate vision and dental insurance plans. If you or anyone in your family has disabilities, or are at risk of becoming disabled, really, really consider if you want to leave a place with relatively cheaper and sane healthcare for another place without it. The US is not a kind place for those with disabilities or chronic illness. [1] https://www.nj.gov/getcoverednj/getstarted/compare/ |