Medical insurance help for 2021, possible pregnancy, through Healthcare.gov

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Hello,

This year my husband and I both became 1099 independent freelancers. ( medical coding and web design ) we make around 30k a year & aren’t offered insurance through any workplace so we turned to the Healthcare.gov site…

We are both young and healthy, but we are trying for a baby and have savings.

I ran our info on the Healthcare site and at first, I narrowed it down to two options. The website also applied an $825.00 tax credit which sounds too good to be true?? That credit is applied to the price of all of these…

Blue Value –

Monthly premium: $62.36 ( with tax credit )

$750 Individual Ded total

$2,850 Individual Out-Of-Pocket total

  • So it has a cheaper monthly premium, but it is a limited network and literally not in-network with any of my doctors…

Blue Advantage Gold 2500 –

Monthly premium: $153.58 ( with tax credit )

$2,500 Individual Ded total

$8,550 Individual Out-Of-Pocket total

  • This seemed like my only other option but the monthly premium is high. Also for hospital stay if there is a delivery it is 30% Coinsurance after the deductible.

I was thinking that in order to keep my doctors I would have to go with the expensive Blue Advantage Gold plan but then I noticed this one:

Blue Advantage Bronze 7000 –

Monthly premium: $0 ( with tax credit )

$7,000 Individual Ded total

$7,000 Individual Out-Of-Pocket total

  • This plan is also eligible for an HSA account.

So my end thinking is that the Blue Advantage Bronze might actually be the better option here? Because with the Gold 2500 I am spending $153.58 down the drain each month and the Out-Of-Pocket maximum is higher than the Bronze… With the Bronze, I could open up an HSA and put money in monthly that can help cover any of my charges…

( Though, I’m not sure why the deductible and the Out-Of-Pocket max are both 7k for the Bronze plan, is that normal? )

This is such a big decision I feel like the $0 a month with the HSA would actually turn out to be the better option of them all? It is in-network with my doctors and I don’t go to the doctor much anyways ( maybe twice a year, excepting if I get pregnant ) Am I wrong in thinking that the Bronze might be the better choice? Have I missed anything obvious?

I would appreciate any feedback.

Thank you so so much, I am in North Carolina by the way.

submitted by /u/Medical-Coder
[link] [comments]
Hello, This year my husband and I both became 1099 independent freelancers. ( medical coding and web design ) we make around 30k a year & aren’t offered insurance through any workplace so we turned to the Healthcare.gov site… We are both young and healthy, but we are trying for a baby and have savings. I ran our info on the Healthcare site and at first, I narrowed it down to two options. The website also applied an $825.00 tax credit which sounds too good to be true?? That credit is applied to the price of all of these… Blue Value – Monthly premium: $62.36 ( with tax credit ) $750 Individual Ded total $2,850 Individual Out-Of-Pocket total
So it has a cheaper monthly premium, but it is a limited network and literally not in-network with any of my doctors…
Blue Advantage Gold 2500 – Monthly premium: $153.58 ( with tax credit ) $2,500 Individual Ded total $8,550 Individual Out-Of-Pocket total
This seemed like my only other option but the monthly premium is high. Also for hospital stay if there is a delivery it is 30% Coinsurance after the deductible.
I was thinking that in order to keep my doctors I would have to go with the expensive Blue Advantage Gold plan but then I noticed this one: Blue Advantage Bronze 7000 – Monthly premium: $0 ( with tax credit ) $7,000 Individual Ded total $7,000 Individual Out-Of-Pocket total
This plan is also eligible for an HSA account.
So my end thinking is that the Blue Advantage Bronze might actually be the better option here? Because with the Gold 2500 I am spending $153.58 down the drain each month and the Out-Of-Pocket maximum is higher than the Bronze… With the Bronze, I could open up an HSA and put money in monthly that can help cover any of my charges… ( Though, I’m not sure why the deductible and the Out-Of-Pocket max are both 7k for the Bronze plan, is that normal? ) This is such a big decision I feel like the $0 a month with the HSA would actually turn out to be the better option of them all? It is in-network with my doctors and I don’t go to the doctor much anyways ( maybe twice a year, excepting if I get pregnant ) Am I wrong in thinking that the Bronze might be the better choice? Have I missed anything obvious? I would appreciate any feedback. Thank you so so much, I am in North Carolina by the way.
submitted by /u/Medical-Coder [link] [comments]Read Morer/HealthInsurance

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