Choosing ACA insurance
After layoff a year ago, I've only been able to find work as a contractor (marginal pay, no benefits). My COBRA runs out early 2025. I am fortunate that I am also eligible for Medicare in 2025. I will need to bridge about 6 months of health insurance through ACA coverage. Assuming I will qualify for a tax credit based on income under 50K, ACA premiums range from ~20 for a bronze plan to 300+ for a silver plan.
It I needed insurance for longer than 6 months, I'd choose a silver plan–but I'm thinking of rolling the dice on nothing significant happening in the limited time frame. Honestly, the deductibles and OOP don't really seem to be that different. I have very few health problems and no more than a few Dr. visits a year (which I can put off until Medicare kicks in). I'll also ensure my providers are in network.
What considerations am I missing as I assess? I plan to contact a broker for more info, but my past experience has taught me that they aren't really much (if any) more knowledgeable than this group.
submitted by /u/sooohappy500
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