I'm a 27 year old who has Oscar insurance (Obamacare), and I pay about $250/mo for it, because I get a rebate due to my income bracket last year, where I made approx $25k/yr. The insurance is typically supposed to cost about $450/mo.
This year I have not made much money, because I've been living entirely off savings. I spent the last 7 years writing a book on the side, and I self-published it this year, and have been devoting all my time to marketing the book, and so far it's not looking like I'll be making more than $12k the entire year, which is the minimum amount needed to receive the Obamacare stipend for cheaper insurance.
My parents seem to think that if I don't make at least $12k in income in 2019, I won't be able to pay for ANY health insurance in 2020. I have enough savings in my bank account that I'd be able to afford the full priced $450/month Oscar health insurance for next year, even without the stipend. But my parents are panicking because they think that I'm not eligible for any Obamacare plan, even if I can afford it, if I have not made at least $12k in 2019. I live in Texas, and apparently if you make under $12k, you're only eligible for Medicaid, but we don't have that here apparently?
This seems absurd to me. Does anyone know the answer here?
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