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Is there an insurance bigthread somewhere? I saw one for auto and misc but nothing for regular health insurance. If there is I'll def check it out and close this as needed I'm currently employed full time and have BCBS insurance provided through my employer. Family is me and wife, two kids 7 & 11. Wife has had medical issues and is no longer working more than a part time job with no bennies, and is currently working with an attorney for getting on social security With what my employer kicks in, I'm currently paying about 200/month for family coverage with BCBS, and an additional 40/month for dental I'm looking at changing jobs however, for a smaller company without insurance offered. I've had my current job since before Obama was appointed dictator for life, so have never really learned about Affordable Care Act, Obamacare or any of the alternatives. So, where does one begin to even look for insurance? Do I look for a broker and let them find what they can? Apply on the ACA site and see where that leads? COBRA? Current issues are all pretty minor, there's no ongoing medical that is a drain(ie no cancer, injuries, etc) so really it's just some basic coverage that we're looking for- regular checkups, kid stuff, woman things
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Feb 15, 2016 16:36
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Shadowhand00 posted:Disclaimer: I used to work for this company but they do have some decent comparison features to look at multiple health insurance options if you need a better tool: So yeah I check out the marketplace and find that all the plans for family of 4 are like 900-1400 a month. Of course I'm thinking how the gently caress is this affordable health care when its 4 times what i'm already putting out, and even when considering employer kick in, its still double that. I did end up on that ehealthinsurance to compare and found the exact same plans at the same price - for example a bleu cross plan shows as $855 on both sites. BUT on the eHealthinsurance site it shows the amount after tax credits as like $150/month which is a lot more reasonable and would allow for better policys to be more in line with what i'm leaving for around the same premium For this part at least of picking, it does appear that brokers and sites and the marketplace all offer the same plans, so that much I can slog through and find what fits Is there a separate process for these credits and subsidies, or is that part of what a broker or website would do? I didn't see anything about numbers on the marketplace site but that may not come into play until actually enrolling. More fun with it today I'm sure
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Feb 17, 2016 15:13
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moana posted:Have you gone through the ACA website and seen what credits you'll be getting? I don't qualify for any credits and the cheapest insurance I could get is $650/mo for me and my husband. $150 a month for a whole family sounds insanely low to me, but if you're at a low income it's not inconceivable. That's what makes it a bit confusing is that whether I check on the marketplace or on an independent site like ehealthinsurance, the base cost stays the same, e.g. the $842 in this image  but what's struck is due to tax credit and subsidy from the government. It reads that it is based on household income and 4x the federal poverty level is where the cutoff appears to be. That's currently at like $24k for a family of 4 so 4x that is close to 100k- since its just me working we're under that but nowhere is it real clear on if that is something that the insurance company submits to the gov and all of that is behind the scenes, or if there is some active part that I need to take to get approved. I need to call a broker or 2 to find that out, then take that and find the best coverage A big part of this is being spoiled and always working at a place that offers insurance, I'm glad tht ive never really had to deal with it until now ha Thanks Obama
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Feb 17, 2016 20:49
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