My boss is trying to do the right thing by offering full time employees an HRA (Health Reimbursement Agreement). I’ve been reading up on what that means exactly and the more I know the more annoyed I am. My family has been on Medicaid since the start of the pandemic and while we don’t make a lot, I know we’re not qualified to stay on it and I’ve been shopping for a plan on healthcare.gov. Based on my husband and my combined income we are eligible for over $800 of premium tax credits per month, but my work is only offering $300 assistance a month for only me. Anyone out there have the full rundown on HRAs? Like can I seek insurance separately and have my spouse get on the marketplace to get a plan for himself and our kiddo? It sounds like he would be unable to use tax credits simply because I (not my whole GD family but just myself) am being offered “affordable” insurance through work. Am I wrong?
I want to turn it down and just go through the marketplace but I can’t because insurance is offered through work. Why shouldn’t a family without a lot of income be able to choose the plan that is best economically?!! I hate the healthcare joke of a system in the US.
submitted by /u/fraujenny
[link] [comments]My boss is trying to do the right thing by offering full time employees an HRA (Health Reimbursement Agreement). I’ve been reading up on what that means exactly and the more I know the more annoyed I am. My family has been on Medicaid since the start of the pandemic and while we don’t make a lot, I know we’re not qualified to stay on it and I’ve been shopping for a plan on healthcare.gov. Based on my husband and my combined income we are eligible for over $800 of premium tax credits per month, but my work is only offering $300 assistance a month for only me. Anyone out there have the full rundown on HRAs? Like can I seek insurance separately and have my spouse get on the marketplace to get a plan for himself and our kiddo? It sounds like he would be unable to use tax credits simply because I (not my whole GD family but just myself) am being offered “affordable” insurance through work. Am I wrong? I want to turn it down and just go through the marketplace but I can’t because insurance is offered through work. Why shouldn’t a family without a lot of income be able to choose the plan that is best economically?!! I hate the healthcare joke of a system in the US. submitted by /u/fraujenny [link] [comments]Read Morer/HealthInsurance