My wife and I have had this conversation trying to get services for our son with autism. I make too much to qualify for anything, but my companies insurance sucks so bad that I end up paying thousands out of pocket each month.
When your pay is high the marketplace punishes you with higher rates and essentially forces you onto your employer plan. It’s not a real functioning marketplace
I would imagine you get to your out-of-pocket max pretty quick. Look for something more expensive that has the lowest OOP max maybe? Sorry that sucks dude.
My wife and I have had this conversation trying to get services for our son with autism. I make too much to qualify for anything, but my companies insurance sucks so bad that I end up paying thousands out of pocket each month.
Can you not simply purchase a better plan from the ACA market? Not trying to be a smart ass, just curious.
When your pay is high the marketplace punishes you with higher rates and essentially forces you onto your employer plan. It’s not a real functioning marketplace
There isn’t really such a thing as “good” in the health insurance market. It’s all varying degrees of shitty
The worst/lowest cost plan with premiums and deductibles was about $1300mo
I would imagine you get to your out-of-pocket max pretty quick. Look for something more expensive that has the lowest OOP max maybe? Sorry that sucks dude.
I’ve been in a similar situation and my experience was that the open market insurance was a worse rate than company insurance.