Where can my family apply for affordable health insurance?

  • by Jesse
  • Dec 09,2018
  • 15 answers

The deadline for open enrollment is December 15th. My husband s job does not offer health insurance. My job only offers AFLAC (supplemental health insurance). We have a 3 year old son that definitely needs coverage, and I see my doctor every other month.
We went through healthcare.gov last year and currently pay $127.47/mo for health insurance that covers the 3 of us. I believe our deductible is $6,000...crazy I know, but it s all we could afford. We did not meet that deductible this year (knew we wouldn t) and every time we see a Dr I pay at least $85 if not more.
So of course we have to sign up for a new plan for 2019 (they arnt going to carry this one anymore). The cheapest one healthcare.gov offers JUST my husband & me is $233/mo with a $9,900 deductible! This is not including coverage for our son! *We have to prove that the state will not cover him first before they will quote him* How do ppl afford this!? Why does no one talk about this? Do I have any other options? Someone PLEASE help me!
We both work fulltime, no state assistance. We make roughly $58,000 year combined. We have a mortgage, 1 car payment. We live modestly and on a budget. Can anyone give me advice here? Are there other places to apply? Does everyone pay this much and not complain? Is it just me?


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Insurance Answers (15)

Linda 3 months ago

Search, for this, on-line.

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marcelino 3 months ago

Forget that .gov see bcbs you'll be surprised what they have to offer .

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Patricia 3 months ago

Forget that .gov see bcbs you'll be surprised what they have to offer .

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Vanvikki3 3 months ago

It depends on house hold and if your income is higher than 1,000,0000 dollars. Then they will not approve. Try to talk to a tax department.

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Mr. Wizard 3 months ago

AVOID the "healthcare.gov" offers!!! It's a racket with price gouging high premiums!!

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Casey Y 3 months ago

Pretty standard stuff...people talk about it all of the time...but most people don't bother to listen. You didn't listen until it became an issue for you...
affordable is a subjective term...keep that in mind. The PPACA (middle A for Affordable) was supposed to address this, but seems to have only made things worse.

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Gabri 3 months ago

Why don't you google

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C 3 months ago

I have a high deductible plan with a health savings account. Sure, the deductible is 6K, but even last year when I broke my arm and had a boatload of tests for something else, I didn't pay 6K. By having insurance, even a routine doctor's visit fee is subject to approval by the insurance company, even if the bill is forwarded to you, the price is reduced.
If you see your doctor every other month, see if there are alternatives. Do you *really* need to see him or her every 60 days? Is there a discussion group for a chronic condition where you consult a nurse practitioner for help?

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car253 3 months ago

If you are working with just one insurance agent, shop around. See if you can get some better quotes. $85 seems like a lot for a doctors visit. You may have been better off asking the doctor "what is your cash price?" It may have been half of that. And, some places like CVS now offer 'Nurse advice" and other services offered by very qualified nurses. There are also low cost health clinics everywhere. You just need to look them up.

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Insurance Pickle.com 3 months ago

Buy the high deductible and get a good telemedicine policy. Then you can just call a doctor for free, but you're still covered by the health plan for big items.

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Andy L. 3 months ago

It's not just you, but the entire medical system in the USA is broken from end to end and neither political party has shown any plan, desire, or indication of fixing it. It is an industry that is 16% of the USA GDP and would take many changes in how we train and license doctors, costs of drugs, allocating and decisions about expensive care, medical malpractice as jury award limits and lawyer fees, and much more.

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StephenWeinstein 3 months ago

You are not looking for "affordable" insurance. You are looking for something that costs much less than "affordable" insurance. To qualify to use the word "affordable", insurance usually has to cost a total of at least $400 per person. If you were really quoted $233 for BOTH you and your husband, that probably means that the government is paying most of the cost, because the total cost (what you pay plus what they pay) should be more than that for EACH person. The old $127.47 insurance was certainly heavily subsidized -- because that's not even enough to pay for the cost of providing insurance for just the child without the adults.
Almost everyone else pays a lot more, and most are happy to pay only a few times as much as you.
Before Obamacare, many Americans couldn't get insurance for under $2,000 per person per month.
Now, to answer your question, $58,000 a year is almost $5000 a month. The (heavily discounted) price of insurance that you are being allowed to pay is afforded by spending less 5% of your income on health insurance -- and spending "only" 95% on everything else. Most Americans have to pay far more, often closer to 30%, and many are happy that they can get it at all. Before Obamacare, you might needed to spend all your income, and that still wouldn't have been enough.

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A Hunch 3 months ago

You have forgotten to include how much that insurance has saved you.
You haven't reached the deductible but you have been getting in-network rate for all bills. How much would those bills have been if you didn't have this insurance. Would the $85 you paid per visit, been $240?
How do people afford this?
- Select HDHP HSA plans to put money aside on a pre-tax basis to pay for the medical expenses.
- If you spend more than 7.5% of your income on premiums and medical expenses and you itemize, it is a tax deduction.
- hospital and medical clinics often provide "charity care" or very generous payment plans.
I would concentrate on improving your income or finding jobs with health insurance.
If you are self employed, your health insurance premiums may be a tax deduction without itemizing.
Is the $233 the cost without a tax subsidy? That is a great rate for 2 people, even if it is a HDHP plan.

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Judy 3 months ago

See if you can get CHIP for your son

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No Mercy 3 months ago

i live in europe where governmental health care is very cheap - a visit to a gp is less than 20 euros. but just counting your monthly payments - two working adults can easily afford 233 dollar a month. in usa u pay much less taxes, so either way someone should pay for health care. in europe we pay with our extremely high taxes (my husband has a very high salary, so he pays 50%) and in usa u pay out of your pocket but u have very low taxes. so what do u have to lament about here>?
sorry, i misread - i thought u get 58 k a year EACH. seems like u would mooch off tax payers either in usa or in europe. GET better jobs!

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