plan choice suggestions

Hello, everyone. I (25M) currently reside in Washington State (King County) and am on the dire hunt for health insurance. I am completely uninsured and suspect that I *may* request an MRI down the road. Here's the bad news: I'm an independent contractor that makes $600-$800/week before taxes. I...

Hi, my wife and I had our first child last week, and I’m trying to decide the best way to get the kid covered. My wife and I are currently on separate single plans offered by our respective employers. I’ve broken down our options in the following table, but I’m having trouble interpreting what...

I’ve been researching this and I think I know the answer but I’m not 100% positive. I’ve read a bunch of posts on here and r/personalfinance but I want to be sure before I do anything. Spouse has HDHP with $6500 contributed annually by employer to his HSA. Currently spouse, me, and 3 kids are...

I don't know much about the healthcare end but everyone at my job complains that my job's healthcare plans aren't great. This year I started seeing a mental health specialist weekly, another one every 1-2 months, and I spend about $50 on prescription drugs about every other month. These plan to...

I have these options at my new job for health insurance, and I have no idea which to pick. I don't WANT to spend 119.95 every single paycheck, but I will if it's my best option. I've been on Medicaid the last few months so I don't know much about this. I have adhd, so I have to pick up Vyvanse...

I am having a hard time understanding if there are penalties for declining employer-based health insurance and deciding to purchase insurance through the marketplace. Based on my salary and the premium I pay for our family on the high-deductible plan, the premium ($$ per paycheck x 26 pay...

Hello sub, I am thinking of going back to school, I am 30 years old. I would like some pointers on how to get affordable healthcare insurance. A big thing for me would be coverage for my therapy sessions, I really value those. The plan I need would need to cover 18 months, that is about how...

Just got a new job this month and have been putting off enroll/waive coverage. They have 4 options and it’s very overwhelming, I’ve been on state insurance my entire adult life and have zero clue what any of it means — I checked out the pinned post and I don’t even know how to understand it in...

Burner account. Trying to figure out what to do for open enrollment and hoping this smart group can weigh in if there are things I am not considering. My company has a number of health insurance plans available, but I've narrowed it down to 2 and I am hoping this group can share their thoughts...

Hi all. New baby expected July 2023. Trying to decide if I should switch to my husband’s healthcare or stay on my own. Currently, I pay $105/month. $6,000 deductible ($0 met so far). All prenatal visit will be free since they are part of routine wellness. My husband currently pays $0 for his...

Title says most of it. I'm turning 26 years old in the first quarter of 2022 so will be losing my health insurance that I currently have under my Parent's insurance (Anthem BC-BS provided by their employer). I am currently unemployed and will remain that way for at least the next year, up until...

Hello, I am entering a new company and have been offered 2 different health insurance plans. I have never had health insurance before, so I am trying to understand what exactly is meant by “deductible” , “coinsurance” “estimated out of pocket cost” and “out of pocket max”. Additionally what is...

I’m in an unusual position. At the beginning of the year I was enrolled in my employer HSA, they contribute $1000 to HSA on Jan 1. My domestic partner is pregnant, and eligible for enrollment this month. This is considered a life event, so I am now eligible to enroll in Option B, C or continue...

20s M, healthy, Zip 19103, 70k salary, started new job. My new employer has cafeteria options, but they all seem really expensive to me. I've seen other options for HDHP and they can be half if not less the cost. I'm not sure if I am missing something here as to why these plans seem much more...

Hello, I’ll cut right to the chase. I’m about to turn 26 (boot from parents’ health insurance) and I’m getting ready to move temporarily out of state (CA) for 1 year but plan to claim permanent residency where I live now (FL). Would I even be able to get health insurance through my job in CA if...

Like the title says, my wife started a new job, unfortunately they don't have an HR person yet, so no help there :( We are a family of 4. I go to the doctor 4 times per year, my wife goes when she's sick, our youngest rarely goes, but my eldest is a competitive athlete and can be injured any...

Hi Everyone, My wife and I are expecting our first child in July 2024. My company is updating their insurance plans this year and I realized that when we do have our child the PPO (which I'm currently enrolled in) has a large jump in premiums. Prenatal visits are 100% covered in both plans I'm...

Hello everyone, I’m a resident of Brooklyn, NY. My wife works full time at a hospital and has great insurance but she is also in school and will need to quit within the next 6 months. I will try to get a different job with similar benefits but I just graduated so it will be tough. Any ideas on...

Hello, I’m stuck between two plans. They cost the exact same amount. The main difference is that Plan A has copays where Plan B has coinsurance. For a specialist (under Tier 1 pricing) visit Plan A charges $40 where Plan B charges 20% coinsurance. For a primary visit Plan A charges $20 copay...

My questions - while insurance & health related, go beyond simply "health insurance". If this is not allowed I will remove it. Also, any tips on other places to post this would be appreciated. I looked at "findareddit" and couldnt find a more general "benefits" channel. Could you folks...