My fiancée rolls off her parent’s health insurance at the end of June 2021 (due to turning 26) and we are getting married May 2022, at which time she’ll roll onto my health insurance through my employer. We are trying to figure out what the best option is to fill the gap between now and then.
Some background info:
She is turning 26 in June. Healthy. No pre-existing conditions. Rarely goes to the doctor for anything. No current medications or prescriptions. She will officially be self-employed and own her own business starting mid-June. So she doesn’t have employer offered health insurance. Hard to estimate income, especially this year, but most likely in the $40k-$50k range. We live in east TN. We have the cash reserves to cover any significant (<$10k) unexpected medical costs between now and May 2022.
Really, she just wants to be covered if any major medical event occurs, but doesn’t necessarily care about how many doctor visits she gets per year or low copays. In other words, a plan with a relatively high deductible (probably no more than $5k) and a low premium.
We obtained a quote from a local independent insurance agent for a plan at a $226/mo cost ($202 premium and $24 association fee). This plan is through United Healthcare, has a $3k deductible, includes vision insurance, and covers her pretty much anywhere.
I’ve done some research on ACA plans (way too expensive for an insane deductible amount), short-term plans (not really sure if this is a viable option, and catastrophic insurance (seems to be more in line with what she wants). Can someone offer us some advice on what the best route may be?
Thanks!
submitted by /u/A_Ding0
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My fiancée rolls off her parent’s health insurance at the end of June 2021 (due to turning 26) and we are getting married May 2022, at which time she’ll roll onto my health insurance through my employer. We are trying to figure out what the best option is to fill the gap between now and then. Some background info:
She is turning 26 in June. Healthy. No pre-existing conditions. Rarely goes to the doctor for anything. No current medications or prescriptions. She will officially be self-employed and own her own business starting mid-June. So she doesn’t have employer offered health insurance. Hard to estimate income, especially this year, but most likely in the $40k-$50k range. We live in east TN. We have the cash reserves to cover any significant (<$10k) unexpected medical costs between now and May 2022.
Really, she just wants to be covered if any major medical event occurs, but doesn’t necessarily care about how many doctor visits she gets per year or low copays. In other words, a plan with a relatively high deductible (probably no more than $5k) and a low premium. We obtained a quote from a local independent insurance agent for a plan at a $226/mo cost ($202 premium and $24 association fee). This plan is through United Healthcare, has a $3k deductible, includes vision insurance, and covers her pretty much anywhere. I’ve done some research on ACA plans (way too expensive for an insane deductible amount), short-term plans (not really sure if this is a viable option, and catastrophic insurance (seems to be more in line with what she wants). Can someone offer us some advice on what the best route may be? Thanks!
submitted by /u/A_Ding0 [link] [comments]Read Morer/HealthInsurance