Underinsured college student looking at my options— can I get Medicaid when claimed as a tax dependent?

Hey, I’m from PA. I’m 20 years old and underinsured on my parents’ insurance plan through IBX (they pay for nothing until we reach our high deductible of $8,400 which isn’t happening). Dental coverage is nonexistent and that’s what I’m in need of the most.

I have impacted wisdom teeth and one cavity as of November. I also need psychiatry. Other than that, I don’t have any pertinent health concerns.

My parents have been looking for a new plan through the marketplace (Pennie) and want to drop the employer-funded insurance. The problem is that the coverage is okay at best for most of these insurance plans without breaking the bank. They may buy an additional dental plan just so I can get my wisdom teeth taken care of and any fillings I need as well.

I don’t work a lot unfortunately, it’s been difficult for me to find another job. Being a student it’s even harder. I thought I could qualify for Medicaid, but since I’m claimed on my parent’s taxes I don’t know if that would interfere. I’m an independent student otherwise and pay for many of my own expenses. I was thinking about asking if my dad can unclaim me so I can get more help from the government.

Before anyone asks, my university does not offer any health insurance plans. I’m exhausted honestly and I just want to get taken care of before my issues get worse. Would Medicaid be an option, or should I go with the marketplace for now? All of this is very confusing!

submitted by /u/tomyfebruary6
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