Need advice choosing a plan, please! (Arizona)

I’m 28 male. I was on Medicaid through Arizona Complete Health (ACCESS) and I got kicked off for making “too much” (Literally $100 over but okay). Now I’m left uninsured. I have several health conditions of which I need health coverage. My current work doesn’t offer health insurance.

I have a chronic left chest pain condition that radiates around into my upper left back and up the left side of my neck. I was trying to get an MRI through Medicaid of my chest and upper spine but they denied it for several months before kicking me off the insurance entirely. So, I would like an insurance that at least tries to work with me and that won’t cost me an arm and a leg when I finally do get the MRI.

Also, I’ll probably need to do PT again to qualify for an MRI since my last PT is a long time ago now thanks to Medicaid.

I had a removal surgery for a neuroma on my right index finger that did not give me good results. The bump is still there, still red, and still hurts. So, unfortunately I’m going to need a 2nd surgery on it to get it actually fixed. Great!

I’ve been having pain in my right testicle ongoing for 2-3 years. I had an appointment with another urologist in August so I need to choose a plan soon.

I also need to see a podiatrist.

I’m going through the healthcare (.gov) marketplace since that’s what I was told to do. After applying, it says I qualify for a tax credit of $298 a month. I’m not really sure what that is. I know it helps pay for my insurance, but is it something I need to keep track of for when I do my 2023 taxes next year?

See also  Term July-June but deductible Jan-Dec??

Also I’m not sure what the difference between ‘bronze’, ‘silver’, and ‘gold’ plans are. It says “extra savings” next to silver, so I’m just going with that. If you think I should do either bronze or gold please let me know.

So the only 2 plans that accept my medications and the urologist that I already have an appointment to see in August are these Of course they’re the 2 most expensive… I can’t really afford that right now. I mean technically I could, but I also need to eat and stuff too…

There are also cheaper ones that cover my medications and primary dr, but not the Urologist I’m scheduled for. So, I guess maybe I could go with one of these and cancel my urologist app. and go to a different one that accepts one of those.

Honestly this is all super confusing and overwhelming for me. I tried narrowing it down the best I could on my own. Thank you!!!!