I’m needing to buy an individual plan because the one my employer is offering me would cost me way too much since I always go through my deductibles. I always see these ads and hear people having like $20-$50 premiums because they get a government subsidy through healthcare.gov. But according to their website and when they called its only if their employers premium would take more then 9.6% of their total income. When they calculate to see if you’re eligible for this subsidy do they not take into account the plans other costs? For example my employers plan would cost me $60 a month which is cheap, but the deductible is $800, and once I reach that its a 10% coinsurance until I reach the $3500 out of pocket maximum(which I will guarantee hit with the current drugs I’m on). If I can prove that I will have to pay that $3500 plus the $60 premium a month which would be more than 9.6% of my yearly income will I be able to receive the subsidy?
submitted by /u/Mavman11
[link] [comments]I’m needing to buy an individual plan because the one my employer is offering me would cost me way too much since I always go through my deductibles. I always see these ads and hear people having like $20-$50 premiums because they get a government subsidy through healthcare.gov. But according to their website and when they called its only if their employers premium would take more then 9.6% of their total income. When they calculate to see if you’re eligible for this subsidy do they not take into account the plans other costs? For example my employers plan would cost me $60 a month which is cheap, but the deductible is $800, and once I reach that its a 10% coinsurance until I reach the $3500 out of pocket maximum(which I will guarantee hit with the current drugs I’m on). If I can prove that I will have to pay that $3500 plus the $60 premium a month which would be more than 9.6% of my yearly income will I be able to receive the subsidy? submitted by /u/Mavman11 [link] [comments]Read Morer/HealthInsurance