Health Insurance struggles

[avrora9002 21]

Hello guys

USA health insurance system is really hard for me to understand. I came here January last year and we've been without health insurance for the whole year. We also had a baby so it's been a little crazy. Anyways I'm trying to get us insured for the next year. My husband, who is American, is absolutely no help, he never had insurance and runs away every time i mention paperwork or something. He understands less than me. So we went to see this consultant once to help us with all that, well all she did was make him an account at healthcare.gov, then she said we have to get something in the mail. So a few weeks later we got a letter that said "you may be eligible for Montana Medicaid but you may need to provide more information", but then in "next steps" it said they will contact us and we don't need to do anything now. I called the consultant again and she said "Oh it's fine just wait for a letter in the mail again". Well it's been 2 months and we haven't got anything and I'm starting to worry that we will miss the deadlines.

So my question is is this right? Cuz i read on other threads here that we're supposed to go buy some health insurance plan online or something, but we've just been told to wait and I don't know how long am I supposed to wait? I just get this agents calling me on the phone all the time and asking what's our height and weight and do we smoke and then give me some ridiculously expensive plans...

Also i don't think I'm eligible for Medicaid because of that public charge thing, am I right? But the husband and the baby should be? Also if they can get Medicaid what about me am I just supposed to get a plan for myself? I'm so confused... xD

If anyone can shed some light on this whole health insurance thing it will be much appreciated

[Transborderwife 4,666]

depending on income level your husband and baby may be eligible. You are not. You can purchase obamacare

[yuna628 9,528]

You have several options: you can either purchase health insurance through the federal exchange (or state if it has one) or you can choose to purchase health insurance privately, or your spouse (or yourself if you work) can add you to a workplace plan if their job offers it. Remember all persons residing in the US must purchase or have health insurance or pay a penalty on their tax return. The penalty for fiscal year 2015 is over $300, and it will increase to over $600 soon. I assume since your spouse never has used health insurance, they are paying a penalty? Regardless of whether you sign up for a plan at healthcare.gov or if you pay for a private plan, there is a big cost either way. When I married my husband, I dropped my own private policy and purchased a new policy for the both of us. It costs over $400 a month and has a pretty high deductible. When searching for a plan you have to pick what works best for you. There is no need to endlessly wait for mail. You can sign up to the exchange online and most private health insurance companies offer much the same. We purchased our plan online. There are plenty of ways to look for private plans if you're unfamiliar with companies in the area. Ehealthinsurance is one of them.

[Boiler 43,429]

If it is not available though work then yes go through the Exchange, you are not eligible for Medicaid.

[TBoneTX 43,057]

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