Insurance

Nurses LPN/LVN

Published

Any tips on where to find affordable insurance? My main job is making us pay for insurance now. Its going to cost about 180 a month and I was just barely breaking even when I wasn't paying and thats working 72 hours a pay there and a couple days a month at another job. I had to opt out for now, but worried about the tax penalties next year. I'm fairly healthy, but am getting older and may need it sooner or later. I've been looking at getting a different job, but no luck so far.

JustBeachyNurse, LPN

13,952 Posts

Specializes in Complex pedi to LTC/SA & now a manager.

Did you look at the government programs, open enrollment is starting again ?

TheCommuter, BSN, RN

102 Articles; 27,612 Posts

Specializes in Case mgmt., rehab, (CRRN), LTC & psych.
Its going to cost about 180 a month
$180/month for health insurance is considered affordable, at least here in the US. That adds up to $90 per pay period. The website address to the govt. healthcare exchanges is below:

https://www.healthcare.gov/get-coverage/

Medsport, LPN

352 Posts

Well for me its not affordable, especially when I can barely break even before paying the extra 180. A quick search at the health care website lowest is about 217. I think these plans are crazy. With a 6k deductible (I think its like 5k through my employer), whats the sense in even having it? I mean if something happens, that amount is going to break me anyway. Might as well just pay whatever it is and be done with it. If it goes over a few thousand, I won't ever be able to afford it anyway. I think I'd rather save my money and if I do get something bad or expensive they still have to treat you I believe. Worst case just file bk. I can't even remember the last time I went to the doctor anyway. Although I do have a medical condition that comes and goes for almost 20 years, I manage it myself with supplements and working out and it hasn't got any worse that I can tell.

I pay well over $400 a month for our insurance so I know your pain. My previous employer's insurance was $800 a month. Insurance is expensive, but anymore it is a necessity. I wish you luck in finding a more affordable plan. There might be something through the exchange? If you are lower income you might qualify for assistance. Keep looking for a job that has better benefits.

+ Add a Comment