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COVID-19: ICU Nurse Tech, Per Diem No INSURANCE, What would you do?

by otgd8 otgd8 Member Student

I am UAP at a critical care unit and they are not offering me even temporary health care coverage even at this time. I am willing to get health insurance through the ACA but that will take 2 weeks. I have a shift tomorrow and the next day and I really do not feel comfortable coming into work uninsured. I do not have any pre-existing health conditions but I have been getting chronic URI/Bronchitis 2-3 times per year for the past 2 years. I love my job but I really do not want to come into work until I have health insurance coverage. But I do not know how to express that to my bosses without sounding selfish and spineless. I will be reducing my hours come May to 1-2 shifts per month because I will be attending a fast-track BSN program. ACA says I will have to pay $200-$300 per month with almost a $10k deductible. My RN friend says I should just pay that for the 2 or so months that I will be working there then switch over to state health insurance when my income changes (with my current income I do not qualify for state health insurance). Between now and when I get ACA insurance will take 2 weeks and I don't know if I want to risk coming into work and getting sick with no health insurance for that period of time. On top of that, I do not have anyone to take care of me in the event that I do get sick which scares me even more. What would you do?

Edited by otgd8