Question

I found out today when I was on the phone about my health insurance that I no longer qualify for insurance through Washington Apple Health. The income limit is $1375/month and I make almost $2000/month at my job in the restaurant working full time. I'm using my employer provided insurance where the deductible has to be met of $1500 and once the deductible is met, the insurance will pay 80%. I was going to physical therapy last year and not having to pay a deductible, now it's $175/visit. Does anyone have any suggestions for how I could get lower health insurance or am I out of options?  

Answer 1

I got nothing for you @concertante76454, good luck. #medicareforall

Answer 2

Maybe one of those insurance co ops that help share costs? Cost sharing insurance plan? I do not know how they work but check into them. Lots of people swear by them

Answer 3

Meet your deductible -

Answer 4

One of the side effects of living in a capitalist society is that if you don’t earn enough you can’t afford to live

Answer 5

Eat healthy and go to the gym

Answer 6

Affordable health care, contact a insurance broker to get set up if it’s not to late for 2020. Wa state will pay most all of the premium as it’s income based.  

Comments

@spelunker9 I would like to know more about this, how do I find an insurance broker for affordable health care?  

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@concertante76454 go to healthcare. gov, depending on the state you may not need a broker, regardless they can get you a referral to a broker or help you with the app. It has saved my butt from high healthcare costs!  

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@concertante76454 where are u in wa? Google health insurance broker w your zip code.  

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@spelunker9 I’m in a city called Puyallup.  

Answer 7

Keep in mind Affordable Healthcare Act is the Obama Act. Republicans still trying to get rid of. I hope u get it. Cant make over a certain income. But have a backup plan, this could go away, w trump 4 more yrs

Answer 8

Join the reserves, their health insurance is great and cheap.  

Comments

Seriously it could work. It might not be so great if he got deployed.  

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@xanthic true, i posted that before remembering the events of the past week or so.  

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I thought maybe you were being a bit snarky but just in case.  

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@xanthic no, I'm a veteran myself and always grateful for the free healthcare I receive as a result. And i know many people who stay in the reserves to have that inexpensive care for their families. It's about $250/month for a family of 4. Individual is much less. Very low deductibles as well. It can be a good option for the able-bodied who might have an interest in the military already.  

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It's true it may be a best option for someone of the right mindset. I'd have a hard time getting through being ordered around much less putting my life on the line, but I know people who are the first to run into a burning building. I hope if it ever comes up, I'd be braver than I think.  

Answer 9

Be careful with selecting an ACA plan. Some of the ones here in Texas take your money and don't pay out for much. Look over what's covered and ask a lot of questions. Specifically verify that the items you know you need are covered.  

Answer 10

Try mutual sir its affordable, I work with them