I started a new job about 2 weeks ago through an employment agency, it’s a contract to hire position, so hopefully in a few months I become a permanent employee. In the meantime, I’m trying to figure out a reasonable insurance plan. There are 5 of us in the house, 2 adults and 3 children under 18. The employment agency offer 2 plans – a basic plan, which appears to cover literally the basics and nothing else, so that’s out, or a high deductible plan which appears to really have high deductibles ($5,000 per individual, $10,000 family) and given those high deductibles, be expensive coming in at around the $1,400 mark.
So, I figured I would take a look at Anthem, entering my details, albeit basics at this point, as well as dependents, it says I have an estimated tax credit of around $800. If I then look at the available Marketplace plans, as an example, the Anthem Healthkeepers Gold X 2000, comes in with $2,000 individual and $6,000 family, for a monthly premium of $941.
What I am not sure of, is how do I know I am eligible for that estimated tax credit? I’d hate to sign up for the plan, then come to find out that I don’t get the credit and am actually paying $1,700+, at that point, I’d either look at the one through the employer or Anthem Healthkeeper Bronze for $600 (+ whatever tax credit I may or may not get).
Any help on figuring out what to do is hugely appreciated. I’ve been used to an employer plan for the last 14 or so years, hoping to move back to that in a few months, but need to figure out what works in the interim.
Thanks.
submitted by /u/aabcdefghii
[link] [comments]I started a new job about 2 weeks ago through an employment agency, it’s a contract to hire position, so hopefully in a few months I become a permanent employee. In the meantime, I’m trying to figure out a reasonable insurance plan. There are 5 of us in the house, 2 adults and 3 children under 18. The employment agency offer 2 plans – a basic plan, which appears to cover literally the basics and nothing else, so that’s out, or a high deductible plan which appears to really have high deductibles ($5,000 per individual, $10,000 family) and given those high deductibles, be expensive coming in at around the $1,400 mark. So, I figured I would take a look at Anthem, entering my details, albeit basics at this point, as well as dependents, it says I have an estimated tax credit of around $800. If I then look at the available Marketplace plans, as an example, the Anthem Healthkeepers Gold X 2000, comes in with $2,000 individual and $6,000 family, for a monthly premium of $941. What I am not sure of, is how do I know I am eligible for that estimated tax credit? I’d hate to sign up for the plan, then come to find out that I don’t get the credit and am actually paying $1,700+, at that point, I’d either look at the one through the employer or Anthem Healthkeeper Bronze for $600 (+ whatever tax credit I may or may not get). Any help on figuring out what to do is hugely appreciated. I’ve been used to an employer plan for the last 14 or so years, hoping to move back to that in a few months, but need to figure out what works in the interim. Thanks. submitted by /u/aabcdefghii [link] [comments]Read Morer/HealthInsurance