My husband and I have horrible choices regarding healthcare at this moment in time. We make too much to get a government credit/subsidy for healthcare. I am an independent contractor so no healthcare is offered to me. His job offers healthcare that’s $350 a month only for him (won’t cover me) and it’s pretty much a catastrophic plan. We can’t obviously get Medicaid. He’s currently on his moms and can’t stay on that and I’m on a catastrophic of my own but of course that’s just me. What should we do? I have a few options I’ve compiled from different areas and I’m not sure what the best option is at this point.
Note: we have no current conditions/diagnosis, we are 23 and healthy, go to the doctor maybe once a year if ill but that’s it, however we are looking forward towards if we were to have a child (probably not even this year, but eventually).
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Short Term Health Care Plans—- $200 or so a month for us both and they pay up to 1 million with 0% coinsurance and a 2500$ deductible. Lasts up to (you can pick) a year and covers prescription drugs, accident, hospital, doctors visits, etc. Only excludes some random things (kidney failure?, sports team injury, etc) and it does exclude pregnancy so doesn’t help me there although not an issue for now. It renews every 3 months and excludes only conditions previous to starting the first time with them as preexisting (if I discover I have heart disease in January—they won’t consider it preexisiting in November even though it’s a different set of 3 months as long as I was with them in January). However deductible and such resets every 3 months. If we discover we have a more serious health issue, we could jump to an aca/major medical plan later although potentially inconvenient or difficult depending on the time of year. We would also have to have a qualifying life event to switch.
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Catastrophic plan. We could pay for this and it covers everything we could need with no limit for 500$ a month for us two after the 7500$ deductible is met. We pay $500 monthly regardless of whether we use it though and MOST of what we would encounter will likely never be $7500 so it pretty much only if I have a really serious medical issue where 7500 is better to owe than a million. When we have a child, we will have to pay $7500 that year, for certain, but it’s at least somewhat capped at that price? Just difficult to imagine paying that.
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More expensive bronze/gold/silver plans: $650-900 a month. We simply can’t afford this comfortably and the deductible for these are still around 5k and they have a coinsurance where you must pay 20% on top of that. Seems like a worse deal than the catastrophic even.
What sucks the least out of these options?
Submitted November 13, 2018 at 07:55AM by Weddingdisaster1111 https://ift.tt/2qLrSf8
