Hello,
So I was laid off officially in september (havent worked since march). I have a few options. One, I can pay $207/month for COBRA, to stay on my current health insurance plan, which is a really good plan. Or, I can choose a plan with good coverage and reasonable deductible/ OOP ($750 each). This is a silver plan off healthcaredotgov and with part of my tax credit, it will cost me $143/month. I dont go to the doctor too much or have any meds besides birth control, but I was planning on getting some stuff done this upcoming year that I’ve been putting off (mental health stuff and a few other things).
The only downside of this is that my dentist isn’t covered in any of the available dental plans, (although on their website they dont list which insurances they are affiliated with?) so I would have to choose a (separate) dental plan that allows out of network, I think.
The other thing I am worried about is I have no clue how much I will make this year. Right now on unemployment I am making what would be about 21-22k per year. At my job, which I plan to go back to once it reopens (entertainment/hospitality/food industry) I make about 40k per year. So I am just afraid if I go back to work in 2021, I will end up having to pay the entire amount for the plan that I like from healthcaredotgov, which is $343/month, because I wont be eligible for insurance thru my workplace again until at least 2022 (because we have to work a certain amount of hours in the year prior to gaining insurance).
The other thing is, the plans I can more easily afford ($50-$100/month) on healthcaredotgov are just crappy. I will have to put off most of the things I want to do this year if I get these because the deductible is $6k-$8k.
So I guess I am just asking for advice, tips, opinions. I can technically afford any of these options on my unemployment, but I am worried because the next stimulus package/benefits/extensions is up in the air right now.
Thank you in advance!
submitted by /u/CherryPatdeFruit
[link] [comments]
Hello, So I was laid off officially in september (havent worked since march). I have a few options. One, I can pay $207/month for COBRA, to stay on my current health insurance plan, which is a really good plan. Or, I can choose a plan with good coverage and reasonable deductible/ OOP ($750 each). This is a silver plan off healthcaredotgov and with part of my tax credit, it will cost me $143/month. I dont go to the doctor too much or have any meds besides birth control, but I was planning on getting some stuff done this upcoming year that I’ve been putting off (mental health stuff and a few other things). The only downside of this is that my dentist isn’t covered in any of the available dental plans, (although on their website they dont list which insurances they are affiliated with?) so I would have to choose a (separate) dental plan that allows out of network, I think. The other thing I am worried about is I have no clue how much I will make this year. Right now on unemployment I am making what would be about 21-22k per year. At my job, which I plan to go back to once it reopens (entertainment/hospitality/food industry) I make about 40k per year. So I am just afraid if I go back to work in 2021, I will end up having to pay the entire amount for the plan that I like from healthcaredotgov, which is $343/month, because I wont be eligible for insurance thru my workplace again until at least 2022 (because we have to work a certain amount of hours in the year prior to gaining insurance). The other thing is, the plans I can more easily afford ($50-$100/month) on healthcaredotgov are just crappy. I will have to put off most of the things I want to do this year if I get these because the deductible is $6k-$8k. So I guess I am just asking for advice, tips, opinions. I can technically afford any of these options on my unemployment, but I am worried because the next stimulus package/benefits/extensions is up in the air right now. Thank you in advance!
submitted by /u/CherryPatdeFruit [link] [comments]Read Morer/HealthInsurance