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Duh of course you can only buy once a year. otherwise people would just buy insurance when they needed it lol
No. That premium, while high, is a far cry from how much it would be to pay for services out of pocket (even with self pay/cash discount some health systems/providers offer). You are correct, she cannot choose another plan at the drop of a hat. Deciding you don’t like the coverage you have or that it is now too expensive is not a qualifying event. Open enrollment maintains a level of consistency in an otherwise dynamic, crazy system. She will need to wait until open enrollment or another qualifying event to choose another plan or employer sponsored coverage. Assuming her plan was the lowest (cheapest premium) the only other option is catastrophic coverage or to join a spouses policy.
Marry her and let her opt into your insurance plan.
At that income level she should qualify for Medicaid.
The GOP’s answer is personal responsibility....
Yet another reason I feel so fortunate to have the job opportunities I have (even if I hate the job itself on many days).
Best wishes for your friend’s recovery, both health and financial.
Technically, she can’t even shop for another health plan Bc it’s outside of the ‘open enrollment period’ (side note: WTF?!? You can only buy health insurance once a year and that’s it?!?)
Does she qualify for assistance like Medicaid?
Have her look into short-term plans. It’s not ideal (esp since it sounds like she may have a “pre-existing” health issue). It’s probably her best bet at this point since purchasing through a broker may not be available mid year
She should've qualified for significant subsidies through the individual market, but that's beside the point. Alabama has some of the most stringent Medicaid requirements in the country ("surprise"), so she wouldn't qualify. Only other options would be short term insurance plans or potentially an association health plan, although both could exclude her based on preexisting conditions.
Starbucks has great benefits I hear!
A2, I know right.
She’s in AL, makes like $25k/yr (not sure exactly how much, but definitely less than $30k)
Was she thinking of another option when she dropped it? Or just to wait until she can afford it again?
Yeah she’s hoping to wait until she can afford it again. She’s had two spine surgeries related to a genetic thing, but it should be ok now - last year had a $6k deductible that she’s still trying to pay off.
It’s insane that it’s $400+ for her (almost as much as her rent) and was saying right now it’s either pay bills (including medical) or pay for health insurance.
Got it. I wish her job would get her better health insurance...or pay. It feels like that’s the only way out
D2 not quite. Subsidies are only available if you make a certain income. Anything less, will not receive a tax break because well, they probably aren’t filing taxes for under 25K so they have to pay full price of the premium
Yeah... this is concerning. Based on your responses (thank you) and my research, looks like her only real option is to get a job that actually provides health insurance... which is difficult for her since she works in the service industry (bartender/assistant manager/manager/etc) and most of them don’t provide coverage, especially in AL.
- Is she an individual or on a family/household plan (I assume the former)
- In which state does she claim residence?
- What is her (or her household’s) income?
God bless America 🇺🇸
Healthcare marketplace plans benefit those who are earning a decent living. Anything less than that baseline doesn’t qualify because they should technically be on Medicaid. Sucks though.