What do I do about my healthcare?

  • by Da'Rell
  • Dec 05,2018
  • 6 answers

I'm 21 I live with a relative and I just applied for the Healthcare marketplace plans. The lowest option was a catastrophic health plan for about 200 dollars as the lowest. I only make about 600 a month working normal part time hours. How am I supposed to get insurance? Are there any other low cost options other than having nothing like im doing now?


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Insurance Answers (6)

Erik 6 days ago

If you're that poor, it's supposed to be cheaper. I believe I saw a plan somewhere that was $1 per month (after the government subsidy, of course). You should find a phone number and ask someone.

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lucy last week

https://www.verywellhealth.com/what-is-c...
https://www.healthinsurance.org/obamacar...
Even though the catastrophic maybe the cheapest, but you maybe possible for a subsidy or Medicaid, depending in what state you live in.
The problem is with the catastrophic plan is that (if) you qualify for a subsidy (can't) get with the catastrophic plan.
The subsidy is based on (Household) income, so for you, you make about $7,200 a year, but depending on (how) much your family member makes (also), then say for instance (instead) of the catastrophic plan is $200 and a bronze plan is $350, then (if) you qualify for the subsidy, instead of paying $350, you might only pay for instance $150 or (less).
2 years ago before I turned 65, and (now) on Medicare, my policy was almost $700, but paid $460 instead, since I was a widow The year before that when my husband was alive, still got about $200 in a subsidy to pay for my health insurance.
The 1st site explains how catastrophic plans work and the 2nd one shows household income of the max you can make for (2) in your household, or if there are more than you and a family member, need to know (everyones) income to determine.
So if you pick a bronze plan instead, then after you put in the income, then will tell you how much you pay and (how) much is paid, (if) you qualify for a subsidy or not, thus can find out if for instance the bronze is cheaper with a subsidy, or do not qualify, then the lowest will be the catastrophic plan.

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. last week

It's usually cheaper to get insurance through your employer -- even if you have to pay for a catastrophic health plan. The Healthcare marketplace plans are always a rip off.

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y last week

No Idea, Been looking around becouse my son is about to be dropped from ours. Just to get an idea for myself what it would cost him. Lowest I found was $150.00, but for what I think he makes, that's insane.

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Eva last week

Look at other plans. If you just look for the lowest price you may not find the best insurance. Bronze and Silver plans are eligible for subsidy and may actually be lower cost with better coverage. You could be covered under a parent's plan up to age 26. You may also qualify for Medicaid (would depend on how they viewed your living situation). If you are in college, you may be able to get insurance through them.

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Flower last week

Did you input your income? You may qualify for Medicaid depending what state you are in and other household incomes. Also, under Obamacare, you may not be aware there is a subsidy paid to the insurance on your behalf for monthly premiums. Try checking the website again. Medicaid eligibility does count all household income so your relative's income would be included. If it doesnt work, in January you can be any insurance plan you want. There is no more requirement from Obamacare.

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