Navigating Health Insurance with a Chronic Condition: Considering Moving States and Seeking Advice

Hello,

I’ve been trying to understand how health insurance works but still find it confusing. I currently reside and work in Massachusetts, where I hold a decent-paying job. Unfortunately, due to a chronic condition I developed last year, I am unable to continue working. My workplace can’t provide the necessary accommodations, and I’ve struggled to find the required medical care in Massachusetts—a surprisingly true situation.

Given these circumstances, I’m seriously considering moving to New York to access the necessary care and stay with my family. However, I’m concerned about the financial burden, particularly the out-of-pocket costs for medical insurance and medications. My options appear limited: either choose COBRA coverage, which could exceed $800 per month, or seek a subsidy.

Additionally, despite my condition qualifying me as disabled, I still do not meet the requirements for Medicaid, which I find absurd.

Questions:

Could anyone provide me with an accurate estimate of how much COBRA might cost?

Would I qualify for a subsidy given that I currently have a decent-paying job?

What is the timeline for becoming eligible for a subsidy or Medicaid after losing income?

Any advice or information would be greatly appreciated.

TL;DR: Living in MA with a decent job but must quit due to a chronic condition and lack of necessary accommodations. Struggling to understand health insurance options, including high COBRA costs, and facing potential Medicaid ineligibility despite being disabled. Thinking of moving to NY for better care. Questions about COBRA costs, subsidy qualifications, and eligibility timelines for state aid. Any advice appreciated.

submitted by /u/Mr-Oxygen
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