Just got kicked off my parents health insurance

I just turned 26 and got kicked off my parent’s health insurance. I work for a non-profit that doesnt offer any kind of health insurance. I have a few pre existing conditions and take prescription meds, need lab work, and visit the doctor regularly. I’m not eligible for Medicaid because I make too much ($40,000) and don’t have any dependents. That leaves me to find insurance on the Marketplace and all the plans are insane. $200 a month that basically covers nothing until I pay an $8000 deductible (not including dental or vision). I pay over $500 a month in student loans and it would be so difficult for me to swing this and I feel like I’m basically paying for nothing. I’ll still have to pay for all my labs, prescriptions, and doctor visits out of pocket until I reach that deduction and I doubt it will add up to be that much in a year. Is there any other option or am I just going to have to be uninsured? 😭

submitted by /u/Educational_Emu_5770
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I just turned 26 and got kicked off my parent’s health insurance. I work for a non-profit that doesnt offer any kind of health insurance. I have a few pre existing conditions and take prescription meds, need lab work, and visit the doctor regularly. I’m not eligible for Medicaid because I make too much ($40,000) and don’t have any dependents. That leaves me to find insurance on the Marketplace and all the plans are insane. $200 a month that basically covers nothing until I pay an $8000 deductible (not including dental or vision). I pay over $500 a month in student loans and it would be so difficult for me to swing this and I feel like I’m basically paying for nothing. I’ll still have to pay for all my labs, prescriptions, and doctor visits out of pocket until I reach that deduction and I doubt it will add up to be that much in a year. Is there any other option or am I just going to have to be uninsured? 😭
submitted by /u/Educational_Emu_5770 [link] [comments]Read Morer/HealthInsurance

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