My health insurance is incredibly expensive. More in comments

In Texas. I am retired collecting SS (early) and wife works full time. I am 64 so no Medicare yet. AGI is $105,000. Both of us are on her United Health Care plan. Her company pay 100% of her premium and deducts $1065 a month/$12,780 annually for me. I don't know what her premium is as her pay stub does not show anything about it being paid by the company.

So just my premium is 12.17%, well in excess of the 8.39% cut-off between affordable and unaffordable.

The new higher rate became effective June 1.

Is this considered an event outside of open enrollment?

When I go thru the steps to check market place pricing, there is no way to indicate our current plan is unaffordable and there are no credits due to our combined income. The plans that populate start at $1800 a month and go to $2000 a month just for me. Do I just need to contact a "Market Place Counselor" and figure out if we have an option until I get on Medicare next April?

submitted by /u/ProudNativeTexan
[comments]