I live in California and while I qualified for insurance subsidies for 2020 in 2021 I do not qualify for them. Unfortunately even though the government thinks I can afford it I can’t afford the monthly payment for the cheapest bronze plan without subsidies. The only healthcare I will use is if I end up in the hospital with covid or an accident. Is it possible to buy a cheaper plan that doesn’t comply with the ACA but would prevent me from going bankrupt in an emergency and cover absolutely nothing else? Obviously I would have to pay the penalty for not having qualifying insurance for the year but that’s a whole lot cheaper than the premiums for even the cheapest plan.
submitted by /u/mrkramer1990
[link] [comments]
I live in California and while I qualified for insurance subsidies for 2020 in 2021 I do not qualify for them. Unfortunately even though the government thinks I can afford it I can’t afford the monthly payment for the cheapest bronze plan without subsidies. The only healthcare I will use is if I end up in the hospital with covid or an accident. Is it possible to buy a cheaper plan that doesn’t comply with the ACA but would prevent me from going bankrupt in an emergency and cover absolutely nothing else? Obviously I would have to pay the penalty for not having qualifying insurance for the year but that’s a whole lot cheaper than the premiums for even the cheapest plan.
submitted by /u/mrkramer1990 [link] [comments]Read Morer/HealthInsurance