Need alternative to health insurance!!

Our family had been in Medicaid for four years. Before that we were on a health share (medishare – it works – they paid over $60k in bills once). My toddler still qualifies for medicaid but my wife and I got kicked off this month and need to find coverage. Single income home. We have about $350-$400 max to spend a month. We've cut every possible expense. It's all we have.

What do we do???

Employer coverage is $804. $8000 deductible $14000 out pocket Silver Plan CAN'T AFFORD OBVIOUSLY

ACA Coverage with subsidies – $390 $12000 deductible family $18000 max pocket family Anthem Bronze Pathway X HMO 6000 $0 Select Drugs (Can afford but this limits are so high we'd go bankrupt for a simple ER visit or accident)

ACA Coverage with subsidies – $550 $8200 deductible family $18000 max pocket family Cigna Connect Flex Silver 4100 CAN'T AFFORD SADLY

ACA Coverage with subsidies – $544 $4500 deductible family $17400 max pocket family Cigna Connect Flex GOLD 2250 CAN'T AFFORD

Medishare Healthshare 6000 co-share-$345 $6000 deductible 70/30 after that is met, 100% is shared after reaching $10k $35 office visits Free telehealth Free wellness visit with labs

Medishare Healthshare 6000 FULL – $400 $6000 deductible 100% is shared after reaching $6000 $35 office visits Free telehealth Free wellness visit with labs

submitted by /u/thc_guy12
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