ACA Income Limits & Other Q

Hi all,

I am in the process of negotiating this minefield. I apologize if I ask something thats covered, but the slew of information out there has fried my brain a little. I'm also completely new to all this (come from the UK with the NHS etc).

I did go through the stickied thread on here that explained a lot.

I know that OE for ACA is currently closed, barring qualifying events (which I dont believe I have had looking at the list). Right now I am uninsured, and would rather not be for obvious reasons. My initial question is can I potentially go from BCBS plans to something found on the marketplace when that opens again, which is only 5 full months away or will a BCBS plan run for 12 months regardless?

Additionally, when it comes to the ACA income limits, which figure do they take? My base is within the limits (at least for the year by a quick google) but i expect my commission to take that beyond the limit by some 20k.

I'm looking at either BCBS MyBlue Health Gold 403, or Advantage Silver HMO 306. Monthly premium is my current #1 consideration (I dont go to the Dr much), but if either of those plans are horrific then please feel free to tell me to stay away from them!

Using the BCBS site as an example, I assume I can just go on, put my info in, select a plan and pay and that will kick in on 7/1.

Thanks in advance for any responses!

submitted by /u/PoorMayMay
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