How does one get health insurance?
I don’t know what to do. My health is gradually deteriorating, I can’t ignore my symptoms anymore.
About my household: I applied via healthcare. gov. I’m in Texas, Denton County(obv). I have a sibling, we’re both 19. Only he and I qualify. My parents don’t work enough to qualify for job benefits, and also don’t qualify for government sponsored healthcare.
After submitting the application, I was shown very expensive plans ( deductibles at $18,000, at $600 a month, or $0 deductible at $900 a month.) I don’t know, Maybe that amount is normal or even cheep to some of you. But the healthcare. gov ads on TV said “affordable healthcare plans:D!! As low as $10 a mo/ the average applicant saves up to $62737373 a month!!!!”
I can’t believe it. I told these mfs on my application: “yeah my brother and I are both full time students, working part time, and making less than $1k a mo/.” And they’re like: “yes ok. let’s provide plans that are both your yearly salary combined in deductibles and charge 2/3 of what you make ea. month in payments!! 😀 hm yes that’s rational!”
I’m shocked. I know healthcare is expensive, I’m no veteran to the uninsured game, but jeez. It’s all too much. My parents never bothered re applying for Medicaid since I was 13, only taking me to a cheep community clinics whenever I caught a flu and largely ignore my underlying medical conditions. Now I ’m over 18 with a plethora of issues that make my daily life miserable. I’ve acquired $5k in remaining ER bills and previous doctor visits debt, currently paying them off + student debt.
I am so lost. I don’t know what to do.
I go to the cheep clinics, tell them my sob story and they all say:
“we can’t treat that here, you need a specialist” then don’t bother suggesting affordable referrals.
or “apply at healthcare. Gov/ medicaid” then I don’t even fking qualify/ it’s too expensive anyways.
What am I supposed to do??
**. insert guess I’ll die meme 🤷. **
Also going to post this on r/fortworth , r/Texas, and r/healthinsurance for more visibility im desperate.