But another important consideration are the tax benefits. You use pre-tax dollars to pay for the health insurance through your employer and use after-tax dollars when you buy the insurance through the exchange.So can you deduct the costs you pay for health insurance premiums? As is the case with most tax questions, the short answer is it depends.ou use pre-tax dollars to pay for the health insurance through your employer and use after-tax dollars when you buy the insurance through the exchange.
When you pay yourself first, you ensure the specified amount of money you want to save really does make it into your savings account or investment, since it happens before you have the opportunity to use the money for something else.
Dont take advice from anyone other than an actual credit industry insider. Now that weve got the myths out of the way, lets focus on what can actually help you achieve the elusive perfect credit score. Heres your roadmap: Always pay your bills on time  Our first tip is also the most commonly understood. 35% of your credit score points come directly from having a long record of on-time payments. For the perfect score, you want to have on-time payments reported from all of your accounts dating back seven years.