edit: MISSOURI
Hi guys- I’m looking for some advice or options for insurance coverage. For 2020, I have a marketplace plan with a tax credit that brings my monthly premium down to $60/month with no deductible or OOPmax. Pretty awesome. When I applied for coverage and the tax credit last year, I had a job making ~1500/month. This past September I went back to school full-time in a 1yr accelerated nursing program, which I’ll graduate from next summer. I’m currently taking out a small amount of federal loans, as well as borrowing from my parents for the remainder of tuition as well as living expenses.
I went to fill out my application for 2021, and I no longer qualify for the tax credit due to no income, bringing the cheapest premium up to $350/month for a $7k deductible. According to healthcare.gov, I do not qualify for medicaid in MO either. Wondering what a student in my situation would do. Is there a way to claim federal loans as a form of income? Are you supposed to do that anyway (I have no clue)? Do I estimate what I’ll make as a graduate nurse next fall of 2021? Or is there another cheap insurance for students altogether? Say fuck it and go without insurance for 8 months until I graduate and get a job?
Knock on wood I’m in good health so I only use insurance for birth control and have never touched a deductible in the past when I’ve had crazy high ones. So, the plan does not have to be anywhere as great as my current one, but a monthly premium of $100 or less would be ideal.
TIA
submitted by /u/Loon121
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edit: MISSOURI Hi guys- I’m looking for some advice or options for insurance coverage. For 2020, I have a marketplace plan with a tax credit that brings my monthly premium down to $60/month with no deductible or OOPmax. Pretty awesome. When I applied for coverage and the tax credit last year, I had a job making ~1500/month. This past September I went back to school full-time in a 1yr accelerated nursing program, which I’ll graduate from next summer. I’m currently taking out a small amount of federal loans, as well as borrowing from my parents for the remainder of tuition as well as living expenses. I went to fill out my application for 2021, and I no longer qualify for the tax credit due to no income, bringing the cheapest premium up to $350/month for a $7k deductible. According to healthcare.gov, I do not qualify for medicaid in MO either. Wondering what a student in my situation would do. Is there a way to claim federal loans as a form of income? Are you supposed to do that anyway (I have no clue)? Do I estimate what I’ll make as a graduate nurse next fall of 2021? Or is there another cheap insurance for students altogether? Say fuck it and go without insurance for 8 months until I graduate and get a job? Knock on wood I’m in good health so I only use insurance for birth control and have never touched a deductible in the past when I’ve had crazy high ones. So, the plan does not have to be anywhere as great as my current one, but a monthly premium of $100 or less would be ideal. TIA
submitted by /u/Loon121 [link] [comments]Read Morer/HealthInsurance