How do I get health insurance?

  • by Lance
  • Oct 08,2019
  • 11 answers

I make $24,000/year as my household income, not married, no pre existing conditions, no medications, I'm 20, from a low income household and used to have free state insurance but I moved states and now I dont know what to do. I want to visit a dentist and doctor and therapist but dont want to get a bill for thousands. My full time job has terrible insurance, And I dont really know how insurance works. Can I go to like DHS and qualify for some sort of assistance program?


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Insurance Answers (11)

Flower 31 hours ago

First of all, to see if you are eligible for Medicaid, go to your state insurance plan under the ACA and put your info in and see if you are directed to Medicaid. Or just go to your county Medicaid office or go online and find out if you are eligible. Every state has their own Medicaid administration even though the rules are the same. Why do you need financial assistance? You have a job. Dont they offer health insurance? Dental insurance is often separate from medical coverage. Start with your employer, to see if they offer health insurance. If not, then you can go to your state insurance exchange and find out the rest.

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lucy 2 days ago

Medicaid (welfare) is based on household income that can vary by the state where you live. It will cover dental up to age 18 or 21, depending in what state you live.
My "guess" is that $24,000 is too much to qualify for Medicaid in your new state. Also, since your employer offers insurance, then odds are, you won't qualify for a subsidy under the ACA , also known as Obamacare.
Your employers insurance is most likely a qualified plan. The reason you "think" that it is lousy, is that with Medicaid, you (don't) pay for insurance and usually (never) see a bill for any health insurance services you had in the past. So, now have to pay for it with your payroll deductions, plus may have to pay for a deductible (before) insurance pays.

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C 6 days ago

" I want to visit a dentist and doctor and therapist but dont want to get a bill for thousands."
Very few insurance plans cover dental. You're out of luck, unless your employer offers a separate dental plan. Dental work doesn't cost thousands, unless you've neglected your teeth for years.
You can get on the internet, and see if any dental schools around you, or any dentists, offer low-cost services for uninsured or underinsured people. Same with mental health services.

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Judy 6 days ago

www.healthcare.com You will not likely qualify for a government subsidy since your employer offers insurance. Your income is too high for medicaid. Different insurance plans provide different benefits, but few cover dental, most cover a limited number of therapist visits, and pretty much all have deductibles (an amount you pay total before the insurance pays anything each year) and copays (an amount you pay for each service).

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babyboomer1001 6 days ago

No.  You won't qualify for assistance.  You are expected to get health insurance through your employer.  If you choose not to, then expect to purchase it privately, which costs me.  You can talk to your employer about adding to their health insurance plans, perhaps Aetna or Blue Cross/Blue Shield, which both have excellent plans at reasonable rates, but that's up to them.

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A Hunch 6 days ago

If you are earning $24,000 as a single person household, it is unlikely that you will qualify for medicaid in any state.
Your employer based plan is almost certainly Affordable Care Act compliant which means it provides the same coverage that you will get anywhere else ACA compliant coverage is sold. The main differences is monthly premium and copays/deductibles.
- higher copays/deductibles means lower monthly payments.
- lower copays/deductibles means higher monthly payments.

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SHIRLEY 6 days ago

Look into the Marketplace aka ACA aka Obamacare. Go to any insurance agent (I use Blue Cross) and tell them your situation and ask what types of plans are available for you. Probably some very affordable ones bc your income is so low. Know that health and dental are two different plans, and unless you need major dental work, it may be better to just pay the dentist for your twice yearly cleanings than to have dental ins.

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St James Tiberius Troll 6 days ago

Kskgogoosowooog

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Politically Correct 6 days ago

What do you mean by 'my full time job has terrible insurance'? If you have job-based insurance, the only way you’ll qualify for savings on a Marketplace plan is if your employer’s insurance offer doesn’t meet minimum standards for affordability and coverage. Most job-based plans meet these standards.
Most employer based insurance is considerably cheaper than Marketplace coverage because the employer pays part of the cost. Dental coverage is very unusual. You will need to meet your deductible no matter who gives you insurance.
Have you checked to see if you can continue to be covered under your parents' plan? Generally you can do that until you are 26.

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Mama Kimama 6 days ago

Medicaid ..................

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Casey Y 6 days ago

You would qualify for Medicaid in some states...not in others...without knowing your state, nobody can assist here.
Can I go to like DHS and qualify for some sort of assistance program?
Yes...that's what you would do...you already know...so not sure why you need to ask. Not trying to be mean, but I'd give that a shot.

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