Our situation: married, 30s, no kids. Husband carries our health ins through his employer, less than 20 employees. I am currently unemployed. $300/mo with $10k deductible. Old job ended Thursday Feb 3 and new job started today Feb 7.
My husband has changed jobs but new health ins won’t kick in for 3 months. From what I’m reading, WI does not make COBRA mandatory for employers with less than 20 employees.
Before I learned that, I asked him to find out what the full premium would be. His former employer told us $900.00
Does that mean this specific employer does offer COBRA? Is that an option for small businesses?
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My next question is about short term plans. The price is certainly attractive. (Without inputting too many specifics I saw $184/mo and $8400 deductible) We do not forsee needing insurance during this 3 month gap until the new employer’s ins kicks in. Is there anything bad re: these plans that I should be aware of? I’ve never knew short term plans were available until today.
The short term plans I found on the Cobra website are names I’ve never heard of, and poking around on healthcare.gov I didnt find anything for short term. Granted I’m on mobile, so searching can be harder.
I will have computer access tomorrow. What do i need to be on the lookout for?
I apologize if these questions seem vague. I’m feeling very out of my league and don’t even know what I need to be asking.
I’ll be around to answer any follow up questions. Thank you for your help!
submitted by /u/jsat3474
[link] [comments]Our situation: married, 30s, no kids. Husband carries our health ins through his employer, less than 20 employees. I am currently unemployed. $300/mo with $10k deductible. Old job ended Thursday Feb 3 and new job started today Feb 7. My husband has changed jobs but new health ins won’t kick in for 3 months. From what I’m reading, WI does not make COBRA mandatory for employers with less than 20 employees. Before I learned that, I asked him to find out what the full premium would be. His former employer told us $900.00 Does that mean this specific employer does offer COBRA? Is that an option for small businesses? ‐——————- My next question is about short term plans. The price is certainly attractive. (Without inputting too many specifics I saw $184/mo and $8400 deductible) We do not forsee needing insurance during this 3 month gap until the new employer’s ins kicks in. Is there anything bad re: these plans that I should be aware of? I’ve never knew short term plans were available until today. The short term plans I found on the Cobra website are names I’ve never heard of, and poking around on healthcare.gov I didnt find anything for short term. Granted I’m on mobile, so searching can be harder. I will have computer access tomorrow. What do i need to be on the lookout for? I apologize if these questions seem vague. I’m feeling very out of my league and don’t even know what I need to be asking. I’ll be around to answer any follow up questions. Thank you for your help! submitted by /u/jsat3474 [link] [comments]Read Morer/HealthInsurance