Husband has been in self-plan through healthcare.gov this year, pays less than $60/mo for insurance, no deductible and $700 OOPM. No charge/limit for specialists. (This is with subsidy b/c employer didn’t offer health insurance when he signed up for this, without = avg. $550/mo for same plan.) He’s now been offered insurance through employer and has til Friday to decide. I understand you can’t get the subsidy if your employer offers insurance through them, but the plan they’ve offered is terrible for our families needs. It’s less than $25/mo, but has a $2,500 deductible and $8,550 OOPM. 30 visit limit on specialists for $150ea visit. We don’t want to sign up through employer, but don’t want to lose insurance he has now. What should we do? Can anyone explain this better to me please?
Edit; age 26, zip 27103, income less than $30k/yr
submitted by /u/dianthusflora
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Husband has been in self-plan through healthcare.gov this year, pays less than $60/mo for insurance, no deductible and $700 OOPM. No charge/limit for specialists. (This is with subsidy b/c employer didn’t offer health insurance when he signed up for this, without = avg. $550/mo for same plan.) He’s now been offered insurance through employer and has til Friday to decide. I understand you can’t get the subsidy if your employer offers insurance through them, but the plan they’ve offered is terrible for our families needs. It’s less than $25/mo, but has a $2,500 deductible and $8,550 OOPM. 30 visit limit on specialists for $150ea visit. We don’t want to sign up through employer, but don’t want to lose insurance he has now. What should we do? Can anyone explain this better to me please? Edit; age 26, zip 27103, income less than $30k/yr
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