Newly Unemployed, am I missing anything?

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So in WA, been unemployed since may because of covid and need to get health insurance (its WA open enrollment period too).

1) I think this year I’ll be over the income limit for any help, I think. Next year thought, I have no idea what I’m going to make. It depends on congress. If unemployment benefits don’t get extended and I dont find a job, I’lll make like 10k. If I do find a job, I could be over 100k. What the hell do I put for my estimated yearly income?

2) I’ve never had to buy insurance since I’ve had a job since I was 13. Looking at the plans, at least for where I’m at, it seems like the highest tier really are better then the lower ones. Bronze is like $270/month, 8k deductible, 8.5k max out of pocket. Gold is $380/month, 1.5k deductible, 8k max.

It sure seems like short of just nothing happening during the year, the gold would end up a lot cheaper. Getting medical bills in the couple thousand range is pretty quick and easy for much more then just preventative care.

3) Any other options I’m missing? These are all through the WA plan finder site. I would have thought a health 33 year old unemployed guy would be at least a little bit cheaper. (I know I know, I hate our system too).

Any thoughts on my situation?

submitted by /u/rockdude14
[link] [comments]
So in WA, been unemployed since may because of covid and need to get health insurance (its WA open enrollment period too). 1) I think this year I’ll be over the income limit for any help, I think. Next year thought, I have no idea what I’m going to make. It depends on congress. If unemployment benefits don’t get extended and I dont find a job, I’lll make like 10k. If I do find a job, I could be over 100k. What the hell do I put for my estimated yearly income? 2) I’ve never had to buy insurance since I’ve had a job since I was 13. Looking at the plans, at least for where I’m at, it seems like the highest tier really are better then the lower ones. Bronze is like $270/month, 8k deductible, 8.5k max out of pocket. Gold is $380/month, 1.5k deductible, 8k max. It sure seems like short of just nothing happening during the year, the gold would end up a lot cheaper. Getting medical bills in the couple thousand range is pretty quick and easy for much more then just preventative care. 3) Any other options I’m missing? These are all through the WA plan finder site. I would have thought a health 33 year old unemployed guy would be at least a little bit cheaper. (I know I know, I hate our system too). Any thoughts on my situation?
submitted by /u/rockdude14 [link] [comments]Read Morer/HealthInsurance

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