Basically, I’m fairly certain I’m just going to have to continue without health insurance again this coming year. Posting here in case anyone has any thoughts at all on my situation.
Late 2019 I left my employer with good health coverage to go freelance as a contractor and had no health coverage, couldn’t afford it. I figured I’d ramp up work and eventually be able to buy coverage for self-employed but then COVID hit and work dried up overnight. I was never able to get coverage.
This year, Jan 1 I started a regular full-time job working remotely for a company based in another state across the country. Their open enrollment was late October and closed 10/29. Their insurance provider is basically nonexistent where I live, everywhere I called said they are Out of Network, even the ONLY hospital in the area (2 hrs away). I was going down the list of providers from the insurance companies website and everyone they listed was either no longer in-network or not working in the area at all anymore. The nearest city with a hospital and doctors is a 2 hr drive away. There is a single clinic ~35 min. drive from us and they are out of network as well.
Given that I couldn’t find anyone in network, the only plan my employer offers with any out of network coverage is a buy-up plan, the other two plans cover 0 out of network. On the buy up plan, the out of network benefits do not do co-pays, you have to pay everything out of pocket up to your deductible and has a 60% coinsurance on top of that, so it covers basically nothing and cost $400/mo. To be honest, we can’t afford $400/mo. on anything much less that health plan that doesn’t really help us. I had to turn them down and am no longer eligible because open enrollment is closed.
I just filled out the 2022 Marketplace.gov application and their determination is that I don’t qualify for any assistance and have to pay full price for marketplace plans. My wife and kids qualify for medicaid though, so they’re covered. The cheapest marketplace plan I’m offered is $850/mo for the worst plan.
What am I supposed to do? I couldn’t afford $400/mo, and it’s off the table now that open enrollment is gone and I’m stuck with my cheapest option being $850/mo? that’s 25% of my entire pay, how is anyone expected to shell out 25% of their pay on just healthcare insurance, not including if you actually have to use it to go to the doctor.
Does anyone have any ideas or suggestions? I’m ready to just give up on ever having insurance again and just off myself if I get desperately ill.
submitted by /u/offthewallness
[link] [comments]Basically, I’m fairly certain I’m just going to have to continue without health insurance again this coming year. Posting here in case anyone has any thoughts at all on my situation. Late 2019 I left my employer with good health coverage to go freelance as a contractor and had no health coverage, couldn’t afford it. I figured I’d ramp up work and eventually be able to buy coverage for self-employed but then COVID hit and work dried up overnight. I was never able to get coverage. This year, Jan 1 I started a regular full-time job working remotely for a company based in another state across the country. Their open enrollment was late October and closed 10/29. Their insurance provider is basically nonexistent where I live, everywhere I called said they are Out of Network, even the ONLY hospital in the area (2 hrs away). I was going down the list of providers from the insurance companies website and everyone they listed was either no longer in-network or not working in the area at all anymore. The nearest city with a hospital and doctors is a 2 hr drive away. There is a single clinic ~35 min. drive from us and they are out of network as well. Given that I couldn’t find anyone in network, the only plan my employer offers with any out of network coverage is a buy-up plan, the other two plans cover 0 out of network. On the buy up plan, the out of network benefits do not do co-pays, you have to pay everything out of pocket up to your deductible and has a 60% coinsurance on top of that, so it covers basically nothing and cost $400/mo. To be honest, we can’t afford $400/mo. on anything much less that health plan that doesn’t really help us. I had to turn them down and am no longer eligible because open enrollment is closed. I just filled out the 2022 Marketplace.gov application and their determination is that I don’t qualify for any assistance and have to pay full price for marketplace plans. My wife and kids qualify for medicaid though, so they’re covered. The cheapest marketplace plan I’m offered is $850/mo for the worst plan. What am I supposed to do? I couldn’t afford $400/mo, and it’s off the table now that open enrollment is gone and I’m stuck with my cheapest option being $850/mo? that’s 25% of my entire pay, how is anyone expected to shell out 25% of their pay on just healthcare insurance, not including if you actually have to use it to go to the doctor. Does anyone have any ideas or suggestions? I’m ready to just give up on ever having insurance again and just off myself if I get desperately ill. submitted by /u/offthewallness [link] [comments]Read Morer/HealthInsurance