Best private insurance to get???

Maryland, 19 yrs old male. I currently make 50-60k per year from my full time job before tax. I still live with my parents at the moment but no longer qualify to be under their insurance. Or at least I have to wait for like open enrollment for them or something. I don't really know all the details but basically looks like it might be best to get my own. So exploring my options rn.

And I submitted an application on my state ACA insurance portal for good measure, citing loss of coverage as a qualifying life event. It told me based on my income I do not qualify for tax credits on the marketplace.

My job does not offer health insurance itself as a benefit (small company) but it will match 5% of my paycheck and put it towards paying whatever health insurance I choose (and I will pay out of pocket for whatever remains). That comes to about $200/month free health insurance.

No ongoing health issues, regular doctor visits, medications, or whatever. Perfectly healthy weight. No usage of substances.

I would like health insurance primarily for in case of accidents. Who knows. Unsure if I need dental. I would not mind doing yearly regular checkups, haven't done any for the past couple years though and I've been fine.

So I could settle for something that just covers catastrophic events but I may as well take advantage of the $200 free I get from my job. That's my thinking. To take advantage of insurances with higher premiums.

Posting here for help. Any suggestions? Wish it was as simple as getting car insurance.

submitted by /u/WolfFerenc
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