How does ACA coverage work if you don’t technically have a current income but need more coverage than a government sponsored plan could offer?

I’m about to finalize a divorce, which means I’m gonna lose insurance coverage. I will also be enrolling in a (non university) professional education program for a career pivot, which means I’ll be unemployed and living with my parents for about a year while I finish school and find a job. I’m 28, so I can’t be added to my parents’ insurance but the benefits medi-cal offers are not sufficient for my health needs. I’m on a few psychiatric medications (prescribed by a psychiatrist for moderate-severe mental illnesses), need weekly psychotherapy (which I don’t believe medi-cal even offers, not to mention my therapist is out of network), and importantly, am on the long term GLP-agonist/GIP medication for weight management. Zepbound.

Considering these factors, would I qualify for savings on a gold ppo plan at all? I’d have the financial means to pay for the monthly premium but can’t provide proof of income because I won’t have any. The money is mostly gonna come from my savings and some money borrowed from parents for the duration of the program. So I can pay for it, It’d just be really really great if I didn’t have to pay the full amount. I briefly spoke to an insurance agent and he said my best bet for getting all of the needed services for my health needs covered (especially the weight management medication) was through a ppo gold plan from anthem blue cross, so to my surprise, there are marketplace health plans that cover it, I’m just not sure if I qualify for a discounted premium for the specific plan I need without an income.

submitted by /u/electraus_
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