I'll cut to the chase since this is christmas eve and everyone is busy. My company coverage enrollment deadline ends tonight. I'm trying to decide what is the better option for me between company coverage or government coverage (which would hopefully include tax credits/subsidized).
Male, 28 yr old, living in texas, single, no kids. Have gone without health coverage for five plus years. Willing to hold out an additional four or five more months for the next enrollment period if I have to. No medical conditions. Hardly visit the doctor (b/c not insured). If I was covered I would get my migraines checked out (pick up a prescription for Imitrex), annual check-up and maybe a visit for any nasty cold that lingers but otherwise I'm good (what i'm saying is I don't need anything beyond basic coverage).
I would pay 18.69 (per paycheck) for a shared deductible plan with my employer. ($485.94 / year). How does this compare to what I would get with government healthcare? I'm making 20k / year starting 2019 and previously did not meet the requirements for gov. coverage until 2019. What would my subsidies or tax credits look like and would it be more cost efficient to hold out and wait for government enrollment to open back up in March?
Who is offering me the best deal at the end of the day? Right now i'm thinking about the incentive to get government coverage because of the tax credits/subsidy but willing to eat a few bucks if my company coverage is that much better. Would I even get sufficient credits to make it worth it given my conditions detailed above?
Also, I went ahead and enrolled in dental coverage since it was so cheap and I could use some fillings ($54/year). Would i be hurting my chances if I do company coverage for dental if I planned on picking up health coverage from the government?
thank you
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