I’m a contract employee who works via an employment agency for a company that doesn’t hire on “permanently” anyone but their executives. It’s weird and kind of shady, but I need a job. Not the point.
I’m now eligible for my agency-offered health insurance, but it’s pretty terrible, and none of my doctors are in-network. I have several chronic health issues—one of which just became more serious—and I like being able to see the doctors I’ve seen for years and years. The most expensive plan ($400/month) will pay only half the cost of out-of-network doctors. That’s just a no-go for me. I make $20 an hour.
Going through the marketplace to get insurance, as I have for the last five years while I didn’t have steady work, was difficult financially but doable, particularly because of the subsidy. I currently pay about $300 a month for not great coverage, but I can see my doctors. My copay for my GP is $60. I pay about $200 a month for prescriptions even with the insurance.
In NC where I live, one is not eligible for the subsidy if one is offered health insurance via one’s employer, which is so fucked on so many levels. There’s some scary threat in the marketplace sign-up process that says if one tries to sign up under those circumstances, they can get in big trouble, basically.
So my question is this: How likely is it that “they’ll” come after me if I sign up with the marketplace using the subsidy even though I’m offered unacceptable plans (for me, my finances, and my conditions) through my “employer”?
Thanks for any feedback!
submitted by /u/idlecats
[link] [comments]I’m a contract employee who works via an employment agency for a company that doesn’t hire on “permanently” anyone but their executives. It’s weird and kind of shady, but I need a job. Not the point. I’m now eligible for my agency-offered health insurance, but it’s pretty terrible, and none of my doctors are in-network. I have several chronic health issues—one of which just became more serious—and I like being able to see the doctors I’ve seen for years and years. The most expensive plan ($400/month) will pay only half the cost of out-of-network doctors. That’s just a no-go for me. I make $20 an hour. Going through the marketplace to get insurance, as I have for the last five years while I didn’t have steady work, was difficult financially but doable, particularly because of the subsidy. I currently pay about $300 a month for not great coverage, but I can see my doctors. My copay for my GP is $60. I pay about $200 a month for prescriptions even with the insurance. In NC where I live, one is not eligible for the subsidy if one is offered health insurance via one’s employer, which is so fucked on so many levels. There’s some scary threat in the marketplace sign-up process that says if one tries to sign up under those circumstances, they can get in big trouble, basically. So my question is this: How likely is it that “they’ll” come after me if I sign up with the marketplace using the subsidy even though I’m offered unacceptable plans (for me, my finances, and my conditions) through my “employer”? Thanks for any feedback! submitted by /u/idlecats [link] [comments]Read Morer/HealthInsurance