Rundown: My employer provided meh level of healthcare at an exorbitant rate for a family of my size, and I would like to change to something else.
Dilemma- Our "open-enrollment" period is now, in August, to begin in September.
Since ACA enrollment doesn't begin til November and doesn't kick in til January, my options are to take my employer provided now and add on ACA in January until I can drop my employer provided again at this time next year, resulting in 150% cost increase of my current rate for over 9 months, or drop my employer provided now and be without with a family of 5 for 4 months and pray we don't get sick.
Both of these options suck. Any other ideas?
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