Losing job and potentially moving. Insurance options?

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Navigating the world of non-employer based healthcare is confusing, so I wanted to explain my potential upcoming situation and see what are my best options.

My partner and I both live and work in Kansas (we moved here this year from California for a job opportunity I received). Unfortunately, funding in my area of work isn’t guaranteed as it is grant based, and my supervisor will not have funding for my continuation past the beginning of January 2021. In an ideal situation, I would file for unemployment and enroll in my partner’s health insurance while I look for work. However, our apartment’s lease ends around that same time, and they do not allow tenants to do month-to-month renting. We can do a short-term lease with an added fee, but if I find work before the short-term lease is up, we are financially responsible for the rest of the lease.

This has led my partner and I to favor the idea of moving in with friends in our hometowns (in either California or Ohio) once our lease and my job ends. This would require my partner to quit his job and lose the employer contributions to his health insurance, and the main reason as to why I am writing this post.

I checked with my employer, and COBRA costs are much too expensive for my liking (especially if I am on unemployment). If my partner’s income for 2021 is now $0 until he finds work and my only income is through unemployment, what are our healthcare options? I attempted to navigate healthcare.gov, but it seems like our expected 2021 income would be too low to receive coverage through the marketplace. My guess is that we would apply for Medicaid? Does it matter which state we would apply to it through (Kansas our 2020 residence and employment or either California or Ohio where we plan on moving while I continue my job search)?

Hopefully I receive a job offer soon and can avoid this situation completely, but I want to be prepared in case I am still looking for work. The last thing I want to have is no health insurance during the middle of a pandemic.

submitted by /u/FacetiousMuggle
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Navigating the world of non-employer based healthcare is confusing, so I wanted to explain my potential upcoming situation and see what are my best options. My partner and I both live and work in Kansas (we moved here this year from California for a job opportunity I received). Unfortunately, funding in my area of work isn’t guaranteed as it is grant based, and my supervisor will not have funding for my continuation past the beginning of January 2021. In an ideal situation, I would file for unemployment and enroll in my partner’s health insurance while I look for work. However, our apartment’s lease ends around that same time, and they do not allow tenants to do month-to-month renting. We can do a short-term lease with an added fee, but if I find work before the short-term lease is up, we are financially responsible for the rest of the lease. This has led my partner and I to favor the idea of moving in with friends in our hometowns (in either California or Ohio) once our lease and my job ends. This would require my partner to quit his job and lose the employer contributions to his health insurance, and the main reason as to why I am writing this post. I checked with my employer, and COBRA costs are much too expensive for my liking (especially if I am on unemployment). If my partner’s income for 2021 is now $0 until he finds work and my only income is through unemployment, what are our healthcare options? I attempted to navigate healthcare.gov, but it seems like our expected 2021 income would be too low to receive coverage through the marketplace. My guess is that we would apply for Medicaid? Does it matter which state we would apply to it through (Kansas our 2020 residence and employment or either California or Ohio where we plan on moving while I continue my job search)? Hopefully I receive a job offer soon and can avoid this situation completely, but I want to be prepared in case I am still looking for work. The last thing I want to have is no health insurance during the middle of a pandemic.
submitted by /u/FacetiousMuggle [link] [comments]Read Morer/HealthInsurance

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