So weird situation. Job ended three months before wife eligible for Medicaid. I’m younger - 19 months from Medicaid. Retiring from work life. She’s got all her Dr appts behind her and likely won’t use services in next couple months outside an emergency. Low odds but need protection from something devastating.
Kinda wanted to use the 60 day Cobra float and get her a month of cheaper healthcare.gov coverage. I have a while until Medicare and wanted to stay on Cobra for better coverage I will use over next year.
So tried to sign her up healthcare.gov. They want to refer her for Medicaid eligibility. Said since all the income earlier this year was mine, she may be eligible.
Is that even possible?? I earned 6 figures in the first 6 months! She didn’t work. She is earning a bit of interest from bank (is that considered “income”?). Considering some Roth conversion and could target her 401k. Would that be her “income”? How much would she need to not trigger Medicaid eligibility referral?
Not trying to do anything illegal. Playing by the rules as best I can.
Thoughts on what I should do? Wife feels being on Medicaid would be silly for us. She wouldn’t know what to say at the Drs office!
Maybe we should just embrace it? Laugh all the way to the bank. ???
Thoughts? Best option? Thanks in advance!!
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