TLDR: What I’m trying to figure out is what “income limits” should I try to keep in mind, and what kind of insurance will be the best at those levels?
I am an unemployed male US Citizen living in New York City. I’m currently on Medicaid Managed Care through Fidelis. I will be on this until at least Feb. 2023. I don’t have any co-pay or deductible. I basically have FREE health insurance and can get all sorts of procedures (MRI, Cat Scans, Physical Therapy sessions, Orthotics, Dental Care, etc.) for free.
While I’m very happy to not have to pay for anything, I don’t want to be in this situation forever, as I know that I’ll want to purposely try to keep my income really know just so that I can qualify for FREE health insurance.
I’m usually an Independent Contractor, so when I do start working again (and trying to earn as much money as possible), I’ll have to pay for my own Health Insurance as I won’t be covered by any one particular employment company. I’m okay with this.
What I’m trying to figure out is what “income limits” should I try to keep in mind, and what kind of insurance will be the best at those levels? I’m trying to do this 100% legally. If this is going to be too complicated of an answer, please comment or message me with a forum or website where I may be able to get a better answer.
For example, if I earn too much, I’ll no longer qualify for Medicaid Managed Care, so…
1.) What is a good health insurance to choose if I’m earning $25,000 per year? What kind of monthly deductible will I have to pay to get coverage that’s as good as what I have with Medicaid Managed Care?
2.) What is a good health insurance to choose if I’m earning $30,000 per year? What kind of monthly deductible will I have to pay to get coverage that’s as good as what I have with Medicaid Managed Care?
3.) What is a good health insurance to choose if I’m earning $40,000 per year? What kind of monthly deductible will I have to pay to get coverage that’s as good as what I have with Medicaid Managed Care?
4.) What is a good health insurance to choose if I’m earning $50,000 per year? What kind of monthly deductible will I have to pay to get coverage that’s as good as what I have with Medicaid Managed Care?
5.) What is a good health insurance to choose if I’m earning $60,000 per year? What kind of monthly deductible will I have to pay to get coverage that’s as good as what I have with Medicaid Managed Care?
I think you get the point and vibe of the questions I’m asking. The middle class tends to get screwed over, no? When it comes to health insurance, I think it’s either better to be dead broke or rich (based on my personal experience). If I’ll have to pay significantly more for health insurance with a salary of 41K, than I would have to pay with a salary of 39K, then I’d rather just make sure I stay at 39K (especially if the quality of the insurance is going to be exactly the same).
I’m trying to figure out what limits and maximums are, and how to stay “protected”. Where is a good place to legally find out about these kinds of things?
submitted by /u/InterestedNow33333
[link] [comments]TLDR: What I’m trying to figure out is what “income limits” should I try to keep in mind, and what kind of insurance will be the best at those levels? I am an unemployed male US Citizen living in New York City. I’m currently on Medicaid Managed Care through Fidelis. I will be on this until at least Feb. 2023. I don’t have any co-pay or deductible. I basically have FREE health insurance and can get all sorts of procedures (MRI, Cat Scans, Physical Therapy sessions, Orthotics, Dental Care, etc.) for free. While I’m very happy to not have to pay for anything, I don’t want to be in this situation forever, as I know that I’ll want to purposely try to keep my income really know just so that I can qualify for FREE health insurance. I’m usually an Independent Contractor, so when I do start working again (and trying to earn as much money as possible), I’ll have to pay for my own Health Insurance as I won’t be covered by any one particular employment company. I’m okay with this. What I’m trying to figure out is what “income limits” should I try to keep in mind, and what kind of insurance will be the best at those levels? I’m trying to do this 100% legally. If this is going to be too complicated of an answer, please comment or message me with a forum or website where I may be able to get a better answer. For example, if I earn too much, I’ll no longer qualify for Medicaid Managed Care, so… 1.) What is a good health insurance to choose if I’m earning $25,000 per year? What kind of monthly deductible will I have to pay to get coverage that’s as good as what I have with Medicaid Managed Care? 2.) What is a good health insurance to choose if I’m earning $30,000 per year? What kind of monthly deductible will I have to pay to get coverage that’s as good as what I have with Medicaid Managed Care? 3.) What is a good health insurance to choose if I’m earning $40,000 per year? What kind of monthly deductible will I have to pay to get coverage that’s as good as what I have with Medicaid Managed Care? 4.) What is a good health insurance to choose if I’m earning $50,000 per year? What kind of monthly deductible will I have to pay to get coverage that’s as good as what I have with Medicaid Managed Care? 5.) What is a good health insurance to choose if I’m earning $60,000 per year? What kind of monthly deductible will I have to pay to get coverage that’s as good as what I have with Medicaid Managed Care? I think you get the point and vibe of the questions I’m asking. The middle class tends to get screwed over, no? When it comes to health insurance, I think it’s either better to be dead broke or rich (based on my personal experience). If I’ll have to pay significantly more for health insurance with a salary of 41K, than I would have to pay with a salary of 39K, then I’d rather just make sure I stay at 39K (especially if the quality of the insurance is going to be exactly the same). I’m trying to figure out what limits and maximums are, and how to stay “protected”. Where is a good place to legally find out about these kinds of things? submitted by /u/InterestedNow33333 [link] [comments]Read Morer/HealthInsurance