Temp-to-hire offer, worth it? after 4 years as an IT help-desk technician

The pay is fair but there are no benefits. The contract could extend. Did a contract become permanent?

Buy coverage through the marketplace if the contract has none. I budgeted for it before signing.

Thanks for writing this out. I went through something close to it 7 months ago, and it got easier once I kept a simple log of every call and form.