Got insurance? Questions to ask at a job interview

Congrats, you got a job interview! After you talk about pay and telecommuting, don’t forget to ask about the benefits. And we don’t mean days off – we mean insurance.

On average, benefits make up a third of a company’s compensation package, according to the U.S. Bureau of Labor Statistics. Health insurance is a big part of that.

Ask if the company offers health insurance and how much of the premium you’ll pay. Also ask if they offer health insurance for your family. And look at the plan’s copays, deductibles, and coinsurance. Those are all amounts you’ll have to pay yourself.

If you already have health insurance, getting it through your job will probably cost less and offer more benefits. But always compare costs and benefits before you switch.

If a company doesn’t offer health insurance, ask if there’s a health savings plan. It’s a plan you pay into to help with the cost of health care.

Learn more about what to ask about insurance before you switch jobs.