Cheap joint Health insurance (split, merge)

[Tommy john 9]

Guys , Can you guide me through the cheapest health insurance for me and my wife ? 

We need to have

(( joint health insurance ))but we don’t have much money so we need something that doesn’t exceed 100$ per month for both of us ! 

 

Any help ?

Edited December 12, 2018 by Penguin_ie

[Tommy john 9]

Guys , Can you guide me through the cheapest health insurance for me and my wife ? 

We need to have

(( joint health insurance ))but we don’t have much money so we need something that doesn’t exceed 100$ per month for both of us ! 

 

Any help ?

[geowrian 22,335]

2 minutes ago, Tommy john said:

Guys , Can you guide me through the cheapest health insurance for me and my wife ? 

We need to have

(( joint health insurance ))but we don’t have much money so we need something that doesn’t exceed 100$ per month for both of us ! 

 

Any help ?

1) Depends on your circumstances. usually through your employer is cheapest.

2) $100/month??? Virtually impossible. Expect at least $200-$300/month at best, and that's with the employer covering 50% or more of the bill.\

Edit: Although education does tend to have some cheaper plans if you work in that area...

Edited December 12, 2018 by geowrian

[debbiedoo 2,339]

its open enrollment the next 3 days. look in the healthcare marketplace.

[Chris Duffy 1,256]

2 hours ago, Tommy john said:

Guys , Can you guide me through the cheapest health insurance for me and my wife ? 

We need to have

(( joint health insurance ))but we don’t have much money so we need something that doesn’t exceed 100$ per month for both of us ! 

 

Any help ?

Less than $100 per month?  That sounds impossible unless you fall under poverty level and get greatly subsidized by the old Obamacare.  

 

I am thinking a couple making a an average living in USA is gonna to pay at least $600 to $800 per month for health insurance, and that would be one with a high deductible, from what I have seen on the open market enrollment plans

[geowrian 22,335]

Check with your employer. Check the marketplace.

 

Under $100 per person would be crazy low (unless somebody qualifies for very heavy subsidies on the marketplace).

Without subsidies, expect at a minimum $300/month per person with an employer covering over 50% of the cost. Likely more.

If you get something under that, consider yourself lucky.

 

Education (at least secondary ed and higher ed)  tends to have low premiums for employer-sponsored plans (mine was ~$20/paycheck, but this was like 7 years ago so it may not apply anymore).

[JFH 12,189]

I’m fortunate that my employer pays the full premium (high deductible) and puts $1000 a year into my HSA. So check what the employer offers. A high deductible plan is not always a bad thing. 

 

$100 a month for 2??? When you find it, let us know. I’m sure many other members would love to have that too. 

[Penguin_ie 5,984]

**** posts split from other threads by other members and merged here.  Please ask questions about your own case in your own thread, and only post once. ****

[theresaL 408]

The cost of Marketplace policies also depend on what state you live in. For example, if you live in a state that did not expand Medicaid and you don't make enough annual income to qualify for the ACA subsidy then you will have to cover the entire cost. You can still find policies thru the marketplace but premiums are very high and the policies have high deductibles. I checked last year and the premium for 2 was over $1600 per month with $5000 per person annual deductible. If you live in a state that did expand Medicaid and/or has multiple ACA providers you might be in better shape, but you aren't going to find any insurance for $100 per month. Those days are long gone.

[theresaL 408]

14 hours ago, geowrian said:

Check with your employer. Check the marketplace.

 

Under $100 per person would be crazy low (unless somebody qualifies for very heavy subsidies on the marketplace).

Without subsidies, expect at a minimum $300/month per person with an employer covering over 50% of the cost. Likely more.

If you get something under that, consider yourself lucky.

 

Education (at least secondary ed and higher ed)  tends to have low premiums for employer-sponsored plans (mine was ~$20/paycheck, but this was like 7 years ago so it may not apply anymore).

@geowrian, most higher ed only offers health insurance to full time employees. Adjuncts like myself, nada.

[geowrian 22,335]

2 minutes ago, theresaL said:

@geowrian, most higher ed only offers health insurance to full time employees. Adjuncts like myself, nada.

Depends on the institution...the ones in my area all go by the # hours worked for staff, or >= x credits of courses annually for professors/adjuncts/etc.

[Umka36 781]

OP which state do you live in as some states allow recent immigrants with low income to qualify for Medicaid.

 

I'm fortunate to get a family plan for $106 a month starting next calendar year through my employer. In general health coverage is very expensive in the US.

[theresaL 408]

56 minutes ago, geowrian said:

Depends on the institution...the ones in my area all go by the # hours worked for staff, or >= x credits of courses annually for professors/adjuncts/etc.

That is true, that's why I said most. At my university it's +1000 hrs per calendar year. Less than that the unversity is exempt from the large employer mandate.

 

In any event, it's doubtful the OP will find anything on the marketplace and the best option is finding an employer sponsored plan.

Edited December 13, 2018 by theresaL