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Is there anywhere but the Obamacare exchange for an unmarried, self-employed person to get health insurance? I'm currently paying $570/mo for a blue cross 'Blue Value Silver' plan through the exchange. It's decent enough insurance except the $3000 deductible and of course the high premium. I got very excited about getting insurance through a trade association I belong to which would have offered slightly better coverage overall and a $1k deductible for $550/month. However, apparently I can only get that if I am an 'employer' with at least 1 full-time, 30hr/wk employee other than myself that I can offer this coverage to. Being self-employed doesn't count. I was really excited about my new, better coverage because there's not much else to get excited about in one's mid-30s, and was pretty bummed when I found out it wasn't gonna work the way I thought. I just want better health insurance  There are potentially some options to make that plan work-I have some part time help and I may be able to swing him into full time which would probably be good for me in the long run anyway, but that's a different conversation.
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Jul 19, 2022 00:03
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Covok posted:I'm not sure what you mean by pricing, though? I have a preliminary quote under 50 bucks a month. I've seen dental procedures run up to 10k. That said, I should check coverage as someone on Reddit has said this plan doesn't cover what I thought it did.
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Sep 4, 2022 15:51
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Thumbtacks posted:I meant health insurance but I guess life too? Idk. I work full time remote but my remote job that I’ve had for years does not have out of state insurance and I work in a different state. Picked up another job mostly so I can get out of the house, it should have pretty decent insurance but it’ll take 60 days to kick in and they don’t offer the insurance company I would prefer to get it from.
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Jun 24, 2023 02:26
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Thumbtacks posted:My wife is self employed (tattoo artist) so she can't get them through work, and I'd rather get something consistent if I can, I'm not saying I plan on job hopping necessarily but I don't think it'll cost too much more to get it myself through the healthcare marketplace thing and I feel like that gives me some more flexibility in career stuff. And, like I said, my newer job does not offer the healthcare provider I was hoping for. I was probably going to get health insurance independently and get everything else through the job, but that has to wait for two months anyway. https://www.healthcare.gov/have-job-based-coverage/
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Jun 24, 2023 04:57
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eddiewalker posted:My insurance broker called and said the insurer they put my house on 2 months ago, something called “MAX” is imminently insolvent and has quit processing claims or answering correspondence. https://maxinsurance.com/ https://acrobat.adobe.com/link/track?uri=urn%3Aaaid%3Ascds%3AUS%3Abad39bbb-b52b-3bc2-8f99-b886d07229d3  If you can afford to, I would definitely get a new policy with another carrier even without getting a refund. From what I can tell you are still insured, but in the event you have a loss it's probably gonna be a clusterfuck to get the claim paid promptly.
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Aug 16, 2023 15:36
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eddiewalker posted:My broker said he just became aware of the situation and started calling his clients. He also said he’s in the process of finding a replacement carrier. I guess I should just sit right and let it play out?
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Aug 16, 2023 17:44
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| # ¿ May 18, 2024 17:25 |
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Jenkl posted:Can anyone give me a rundown on getting independent health insurance in the US, particularly for someone with an existing condition. This person's been made an offer as a contract worker, but has no idea how to get your own benefits, health especially, going They can get insurance straight from an insurance company and it will basically be exactly the same as an Obamacare policy (they have to be) but they won’t be able to qualify for a subsidy (if they make less than like ~$50-60?K they could qualify for some sort of subsidy) unless they get it through healthcare.gov. Preexisting condition doesn’t matter any more. If they are offered any sort of health insurance through their work, they may not be eligible for a health insurance marketplace (Obamacare/healthcare.gov) plan. If they can afford it, the Silver tier of Obamacare seems to me to be the best value. It’s not usually thaaat much more than the bronze tier which have super high deductibles and are basically catastrophic policies, but still quit expensive. Pay 15-20% more and get actual coverage if you can. Also look out for copay’s vs. coinsurance. With copay’s you pay $50 or w/e to go see a doctor. With coinsurance you pay 20% or something which could be a whole lot depending on how the doctors bills stuff. The healthcare.gov interface is actually not bad for helping choose a plan. I have not pursued talking to a health insurance broker. I know they exist but they’ve always seemed like maybe scams or something to me. I suspect they are basically gonna have Obamacare plans with maybe some secondary insurance to help with high deductibles/copays, but I don’t know that. Depending on their line of work they may be able to get a group plan through membership in a trade or professional organization if there are a lot of self-employed people working in that industry. I know AIA (architects) and the local home builders association both offer insurance to their members, for example. When I looked at that option, it wasn’t cheaper than Obamacare but it was better coverage with a lower deductive. However, it was only available to the business owner if they had a full time employee they could offer the plan to (tho they didn’t have to use it) so it didn’t work for me because I have no employees.
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Oct 26, 2023 04:28
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