<human>: My wife and I were recently married.

We have a joint account for joint expenses (rent, utilities, groceries, entertainment). This works fine for us.

We earn broadly similar amounts ($75/$60k+overtime), however as she is a contractor and the contracting house doesn't have decent insurance, we have family health insurance through my employer.

**Does anyone have experience with how to factor in my paying of our health insurance premiums and how that affects joint expenses?**

Taking the amount of the premium and subtracting that from what I pay into our joint expenses seems not quite accurate, as that's taken from my Gross. The Health Insurance is ~$500.

I am also paying from my gross income into a Health Savings Account (also ~$500), which we can both use. My wife can pay into that too, but only from her net income.

In terms of our PF outlook, we agree that expenses are shared and what's left is your own, after contributing to joint savings. Right now we're just saving hard though, so there's not a huge amount of spending.

Can you condense the text into three sentences or less?
<bot>: – I pay our health insurance & into our HSA (combined ~$1000) out of my gross income. (How) Should that affect our joint expenses & savings from our net income?*