1099 vs w2 insurance

Edit: did a bit more research on stride itself. Apparently it's a brokerage. "We’re a partner of HealthCare.gov, which means we offer all the same plans at the same low prices. We have a customizable shopping tool that makes it simple to find the best plan for your unique needs and budget." Which still doesn't make sense why the plans are significantly discounted versus when I go to marketplace.

Background: 99.9% of the time I'm working at my waitressing job but I also use doordash/Uber. I don't do it much anymore but occasionally will do a few runs. Not enough to write home about but if I'm bored, basically.

I can't get insurance through my employer right now but dd/Uber has offered Stride Health insurance. It's literally marketplace – same everything just cheaper plans. How am I getting these discounts? What makes this different? I'm so confused. If I take this $50 plan or significantly discounted, is it gonna bite me in the ass? Like is this a tax credit? Am I gonna have to pay it back?

This is my first time dealing with health insurance and I am. So. Confused. Screenshots are below of Stride. Let me know if there's any questions/details I can offer to help clarify.

I just don't want to sign up for a cheap plan then get fucked over, basically. Please help.

submitted by /u/Which-Kiwi-are-you
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