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povertyfinance
1
Posted by
KY
2 months ago

Does anyone know if any legitimate, cheap healthcare plans?

I keep looking it up in google, but I keep getting marketplaces where it basically sends a ping to all the insurance companies that I am looking for insurance. The last time I did that, I kept getting spammed with calls from them, which was frustrating, to say the least. And all of them were aggressively trying to make me choose them.

I cant afford to pay the $400 I keep getting quoted. We don't qualify for Medicaid because even though 1. my husband is the only one working due to my health issues and 2. they claim he "makes too much money" (they are counting what he makes before taxes, and when you don't have kids, they rob you, and NOT counting the fact that we have to pay rent, utilities, groceries, etc). So needless to say, we are in this "in between" area where we cant qualify for what we should qualify for, and we cant afford what we do qualify for. I'm just at a loss, and my health is getting worse, and I'm not sure what to do anymore.

I'm currently in Kentucky, which makes it all the more difficult, as they have their own stupid marketplace and ways of doing things. He can get insurance through his work but it is incredibly expensive for what little we would get. Basically all we'd be able to do is lay eyes on our doctor, but not much else.

9 comments
56% Upvoted
level 1
· 2 mo. ago
MO

How far above the Medicaid threshold is your household? Potentially your husband could use pre-tax deductions to decrease his Modified Adjusted Gross Income (MAGI) to get under the line for Medicaid. Even if his work doesn't offer any retirement plans, FSAs, or other such benefits he can open his own traditional IRA and contribute up to $6k a year lowering his MAGI by an equivalent amount.

Next up is determining if his employer insurance is "affordable" per IRS rules. If insurance premiums for him alone(not including you) cost more than 9.61% of his gross income the plan is unaffordable and your household can be eligible for subsidies for marketplace plans.

If your health prevents you from working you really need to apply for disability. Unfortunately that isn't a quick or easy process. That could give you some additional options to get coverage separate from your husbands employer coverage.

Finally sad as it is to say you might need to consider the possibility of getting a medical divorce. Sucks that the system was designed this way; but unfortunately a household of two with one too sick to work but not officially disabled member is probably looking at either needing to make under ~$25k or at least ~$50k+ to get by; if you are stuck in that middle area you would likely be much better off split into two separate households. One making zero on Medicaid and other benefits, and the other earning ~$30-40kish on employer healthcare coverage.

6
level 2
Op · 2 mo. ago
KY

Unfortunately divorce or not they still count his income because we live together. I was dealing with this crap even before we got married a year ago. I have applied for disability for the third time now and I’m waiting to hear back. Their own doctors have confirmed in the past that I’m disabled but I’ve gotten rejected twice now. Hopefully 3rd times the charm. I’ll look into the rest, thank you for the advice 😊

1
level 2
Op · 2 mo. ago
KY

Unfortunately divorce or not they still count his income because we live together. I was dealing with this crap even before we got married a year ago. I have applied for disability for the third time now and I’m waiting to hear back. Their own doctors have confirmed in the past that I’m disabled but I’ve gotten rejected twice now. I’ve heard recently that here in this lovely red state even veterans coming back to the states with lost limbs have gotten rejected.

Hopefully 3rd times the charm. I’ll look into the rest, thank you for the advice 😊

1
level 1

The only marketplace you should be using, imo, is the one from the government. Here's the website. Click "see if you can enroll" and enter your zipcode, it should take you to your state specific marketplace.

If you aren't great with computers they usually have a phone number there also. $400 a month seems pretty crazy. I know a few years back i didn't qualify for medicaid and the market place was saying something like $50 or $80 a month.

2
level 1

Welcome to the gap... I fell into that crack as well, for many years and just went without. One thing you can do is look into Health Sharing Ministries if you're religious, but be really careful. Under the law, they have to be pretty clear they're not insurance, so you lose a lot of the protections that you have with insurance, because they aren't regulated the same way. I think Decent out of Austin, TX might be a secular Health Sharing Ministry. I had my son on that, because wait until you find out what they do to single parents with disabilities and their coverage? I couldn't even legally opt into ACA plans (as a MediCARE recipient) and in the state I was in, I couldn't get my son coverage unless I had it, too. Talk about rock and a hard place!

Other than that, I'm just not aware of anything if you fall in the cracks. If you have to go without insurance, there are FHC (Federal Health Care Centers) in most areas of the US and you can go there for cheap cash care. And for ongoing needs, you can look into something like K Health where it's $59 a month to access medical care that's done over chat and remotely, and use GoodRx discounts to fill the scripts. For catastrophic, all hospitals have charity programs, so always inquire about that.

2
level 2
Op · 2 mo. ago
KY

Yep, I'm finding that out. The really fucked up thing is I keep getting repeatedly told that if I get pregnant, THEN they can help me and then I can qualify because its considered a "life event". Why cant I get help without having to pop out a kid to be considered a human being? I hate Kentucky so much. Ill look into that, but I really, really, am apprehensive about anything to do with religion right now.

1
level 1

So, I say an ad for something called Ladder Health insurance. Maybe check it out.

1

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