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Amarante
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 Sat, Jan 09 2021, 10:14 pm
Have you checked what your premiums would be if you purchased through the marketplace. You might be surprised by the amount of subsidy you would get.
In some circumstances, you can insure your children separately through low cost health programs - CHIPS I think they are called in some states.
But health insurance is expensive - no doubt.
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Amarante
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Sat, Jan 09 2021, 10:16 pm
| amother [ OP ] wrote: | | How much are you looking at per month for a family of 4? |
You go to the on line marketplace in your state and fill out your information.
No one can tell you what it would be because it depends on what your income is as well as which plan you choose. They run from Bronze (least expensive) to Platinum (most expensive) but even within tiers the different offerings are priced differently.
You would find out what your actual premium cost is with whatever subsidy you are entitled to.
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TCR
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Sat, Jan 09 2021, 10:21 pm
| amother [ OP ] wrote: | We currently make $117K plus health insurance, but we may move and things may change. Wondering what will happen with health insurance until DH and/or I can get a job with some sort of coverage.
Edited to change our income info - I don't know why I wrote $20K less than we actually make originally... |
what about healthshare options? That can work instead of insurance. way cheaper too
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amother
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Sat, Jan 09 2021, 11:34 pm
| amother [ Ruby ] wrote: | don't know if you checked into this yet...
if you're close enough to the 90K, just your kids might be eligible (not you).
I think there is a different ceiling for kids.
I am almost positive that if you and your husband are unemployed you will be eligible for medicaid (the whole family)
we moved back from israel and got on right away. my DH made 60K at his first job and I wasn't really working right away.
Now we are both working, I don't know what will be this year....possibly we will be able to file losses from a side business that lost during covid, hopefully it'll work out.... |
It's different being unemployed vs. moving to a new place, no? If I move from NY to Baltimore or NJ and don't get a job, that would qualify me for unemployment if I left a perfectly good job?
Also, from what I see, the limit for kids is something like 350% of the federal poverty level. We'd have to see if the kids qualified. But anyway, I need good health insurance because I have high-risk pregnancies.
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jd1212
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Sun, Jan 10 2021, 11:45 am
| Amarante wrote: | Have you checked what your premiums would be if you purchased through the marketplace. You might be surprised by the amount of subsidy you would get.
In some circumstances, you can insure your children separately through low cost health programs - CHIPS I think they are called in some states.
But health insurance is expensive - no doubt. |
Yes, in NY it’s Child Health Plus- CHP. Subsidised it can be as low as $0/kid or full price at $200 per kid
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