Am I eligible for the marketplace if my new job offers insurance but it’s not effective for 60 days?
I need insurance. I can’t afford $1500/m for my family. (Then they want $100/m for a specialist-which is pretty much what the psych charges out of pocket). Additionally, it’s not even Effective until September! I have kids and health issues that require me to see the dr often. I’m not eligible for private insurance due to ‘pre existing conditions’. I also know my our Medicaid will run out soon if it hasn’t already (and Medicaid providers are hard to find here). What are my options? I’ll be making good money, but at $400+m in gas, $1500/m in childcare, $800 mortgage, $500/m car payment, and no child support I feel like I’m between a rock and a hard place. I could pay for the ‘cheap’ plan at work-but have to pay 7k out of pocket before it covers anything (what’s the point in even having insurance then?). I’ve heard of health shares, but they don’t seem affordable either and ones I’ve looked at come with strict rules (have to attend church, can’t ‘be’ bisexual [like that’s a choice], and don’t cover mental health care [which is most of reason I see the dr]. Any input? It wouldn’t be so bad if I was just covering myself, but my kids need coverage and I know I now make too much for Medicaid or CHIP and my children’s father changes jobs often and doesn’t even use the insurance at his job so I know he isn’t going add them.