Low pay with benefits or higher payer with marketplace insurance

[Lovethenurse2b25, ASN, BSN, CNA, LPN, RN]

I have a question would you except a job that is lower in pay with benefits or continue to work per diem high payer without benefits and pay out of pocket for insurance ?

The per diem position can potentially become full time when a opening become available.

Fyi: a major hospital corporation in my has a residency program offers new grad rns $28

per diem rehabilitation hospital $40/hr new grad per diem

per diem ltc $33 with lots of hours.

A new grad friend of mine showed me her pay stub last week for the ltc facility and she brought home $2500 with $3400 gross her first pay check with 8 hours of over time

As of now i have state healthcare insurance with 1 dependent

[llg, PhD, RN]

I would choose the residency program with a major health system with lower pay + full benefits. The pay & benefits would not be the focus of my attention or the reason for my choice. I would be focused on the long term implications for my career.

Getting your career off "on the right foot," giving you credibility as an inpatient acute care nurse is a very important factor in giving you a variety of career options later. Unless you know for 100% certain that you want to work in a rehab hospital all your life, you should not start your career there unless you have no other choice because it will be very difficult for you to transition to acute care later if you don't get that acute care experience now in your career.

Don't just think about "next week's pay check," think about the possibilities for long term career opportunities. The better long term career opportunities will come from the residency in acute care in a major hospital system.

[Golden_RN, MSN]

I have never chosen a job for the money. I think more about my long term career goals, and where I think I will be happy to go each day (or, what job will be tolerable).

There are more factors than you list - commute, retirement, what shift you are offered, 12s vs. 8s, union vs. non-union. I don't believe that a few bucks more in hourly pay makes up for lack of health insurance or a decent retirement plan

The new grad program will probably give you the best support.