We're recently uninsured due to my wife quitting her job. Her employee healthcare plan covered us both. The facts about us:
38yo Male
- Healthy, no pre-existing conditions, no tobacco use
- Self-employed, no health insurance options (that I know of)
33yo Female
- Healthy, no pre-existing conditions, no tobacco use
- Sees an OBGYN 4x/yr for birth control
- Sees a mental health counselor 8-10x/yr
Other Things to Note
- We would like to have a child within the next 2 years.
- We expect her to find new employment soon, but we are unsure if it will be part-time, full-time, or even offer healthcare benefits.
- Married filing joinly, our AGI is anywhere from $100k-$200k (last year was $140k).
- We also would like a dental plan that offers two cleanings per year, each.
- Access to an HSA would be great, but not a requirement.
- We already have about $60k in our HSA.
Her previous employer's COBRA is $1,460/mo for both of us. When I looked at ACA plans, the cheapest was $700/mo with a $17k deductible and a $18,400 out-of-pocket max. These two choices both seem ridiculously expensive.
What are my other options?
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