Howdy,
I (28 years old) recently left my job voluntarily to pursue self-employment, and wonder what the best insurance plan would be for me.
Currently, I’m using my former job’s health insurance through COBRA, which has the following costs:
- Monthly costs
- Premiums: ~$650 per month
- Insulin (for diabetes): ~$25 per month
- Blood sugar monitors (for diabetes): ~$80 per month
- Annual costs
- Preventive endoscopy: ~$200 per year (mostly covered by plan)
- Preventive eye exam: ~$15 per year
- Miscellaneous blood tests, endocrinologist visits, and copays: ~$200 per year
- Combined monthly cost: ~$790 per year
The plan itself (Anthem Blue Cross PPO) has:
- Deductible: $150 per year
- Out-Of-Pocket Max: $2000 in-network, $6000 out-of-network
- Copays: $10 copays for primary-care and specialists
Given the plan info above, and the fact that I have a couple of conditions to manage (diabetes prescriptions, preventive endoscopies), do you think there’d be a cheaper plan for me on the marketplace?
Or would my COBRA-based plan be the best plan going forward?
EDIT: I am in the state of New York.
submitted by /u/ntide
[link] [comments]
Howdy, I (28 years old) recently left my job voluntarily to pursue self-employment, and wonder what the best insurance plan would be for me. Currently, I’m using my former job’s health insurance through COBRA, which has the following costs:
Monthly costs
Premiums: ~$650 per month Insulin (for diabetes): ~$25 per month Blood sugar monitors (for diabetes): ~$80 per month
Annual costs
Preventive endoscopy: ~$200 per year (mostly covered by plan) Preventive eye exam: ~$15 per year Miscellaneous blood tests, endocrinologist visits, and copays: ~$200 per year
Combined monthly cost: ~$790 per year
The plan itself (Anthem Blue Cross PPO) has:
Deductible: $150 per year Out-Of-Pocket Max: $2000 in-network, $6000 out-of-network Copays: $10 copays for primary-care and specialists
Given the plan info above, and the fact that I have a couple of conditions to manage (diabetes prescriptions, preventive endoscopies), do you think there’d be a cheaper plan for me on the marketplace? Or would my COBRA-based plan be the best plan going forward? EDIT: I am in the state of New York.
submitted by /u/ntide [link] [comments]Read Morer/HealthInsurance