I'm moving and starting a new job within the next couple of weeks. I'm really thrilled to start a new career and life and everything, but here's the catch, it's a contract position (ergo I'm not eligible for benefits and will not be until promoted to a salaried position) and am going to lose my state benefits because I will make too much money within the first month.
Alright, I figure. I know health insurance is expensive, but I can bear the brunt of it until I make it to a salaried position. Well, it looks like a decent plan would run me about $450-500 a month. And that is just simply out of reach for me. It seems I'll be making too much to receive subsidies, but not enough to live comfortably while also paying for an adequate health insurance plan. This is causing me so much anxiety, I'm not sure what to do about it. It's a full-time position, so I also can't comfortably squeeze in a part-time job (I.e. Starbucks) without working 60 hours a week. I really want to pay for a normal health insurance plan but it just seems so impractical that rolling the dice with my health may actually be the better option here.
Furthermore, I'm only 24. From what I understand, that should mean I can be included in my parents' health care plan? My dad decided to go uninsured for a year a couple of years ago. After that happened I started applying on my own to the state insurance. I have qualified up until now, but I know I will lose my benefits within a month of working in my new position. Can I still receive coverage under my dad's plan (my mom receives state insurance), even after applying independently for two-three years?
I've asked my dad to call and inquire about this and I've offered to pay the difference in whatever the cost would be to add me to his plan (if there even is one) but he simply will not even call his insurance to even ASK ON MY BEHALF. It just doesn't make sense. It makes me question whether he is actually even insured.
TL;DR: Am I missing something? Will it really cost me $400/$500 a month to stay insured at an income of about $35,000 a year (Wisconsin)? Can I be added to my dad's plan (assuming he has one) until I'm 26 even if I've been applying for health insurance independently the last three years?
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