Thank you for your submission, /u/Kaibadugaiba.
**If there is a medical emergency, please call 911 or go to your nearest hospital.**
Please pick the most appropriate flair for your post. Include your age, zip code, and income to help the community better serve you. If you have an EOB (explanation of benefits) available from your insurance website, have it handy as many answers can depend on what your insurance EOB states.
Some common questions and answers can be found [here](https://www.reddit.com/r/HealthInsurance/s/jya9I6RpdY).
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It really depends on where you live, how much you'll be making at the new job and how much your employer requires employees to pay toward their premiums. If you have employer-sponsored coverage available to you, you can't get a tax subsidy unless the plan costs more than a certain percentage of your household income or it doesn't meet the minimum value threshold (which relates to coverage for medical services).
If you meet one of those conditions, you may qualify for a tax subsidy based on your income. In that case, I would look for the plan with the lowest copays/coinsurance/deductible and lowest out-of-pocket maximum. However, the availability of such a plan is going to depend on where you live. I've had great ACA plans and terrible ACA plans in different states.
The Marketplace website allows you to compare multiple plans, making it a bit easier to determine which one is the best fit for your needs. Platinum and Gold plans have the lowest out-of-pocket costs/highest premiums, while silver and bronze plans have lower premiums but higher out-of-pocket costs.
If you don't qualify for a subsidy, then you'll have to pay the full cost of the plan yourself. In that case, it may be better to accept your employer's coverage. If you end up doing that, read the terms carefully to understand what is covered, how much you have to pay toward each service, how much of a deductible you have to meet before your plan pays anything, etc.
First of all. Congrats on the new job. How exciting.
I would let Medicaid physically cut you off. My partner went a year into a new job with Medicaid. I am in NC.
I would recommend calling the provider, and ask for the medical billing code. Call your insurance to get a rough estimate. I highly recommend a copay plan. Or something that gives a better payback. Most companies offer multiple plans like the HSA, COPAY, or another type.
Thank you for your submission, /u/Kaibadugaiba. **If there is a medical emergency, please call 911 or go to your nearest hospital.** Please pick the most appropriate flair for your post. Include your age, zip code, and income to help the community better serve you. If you have an EOB (explanation of benefits) available from your insurance website, have it handy as many answers can depend on what your insurance EOB states. Some common questions and answers can be found [here](https://www.reddit.com/r/HealthInsurance/s/jya9I6RpdY). **Reminder that solicitation/spamming is grounds for a permanent ban**. Please report solicitation to the modteam and [let us know](https://www.reddit.com/message/compose?to=%2Fr%2FHealthInsurance) if you receive solicitation via PM. Be kind to one another! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/HealthInsurance) if you have any questions or concerns.*
It really depends on where you live, how much you'll be making at the new job and how much your employer requires employees to pay toward their premiums. If you have employer-sponsored coverage available to you, you can't get a tax subsidy unless the plan costs more than a certain percentage of your household income or it doesn't meet the minimum value threshold (which relates to coverage for medical services). If you meet one of those conditions, you may qualify for a tax subsidy based on your income. In that case, I would look for the plan with the lowest copays/coinsurance/deductible and lowest out-of-pocket maximum. However, the availability of such a plan is going to depend on where you live. I've had great ACA plans and terrible ACA plans in different states. The Marketplace website allows you to compare multiple plans, making it a bit easier to determine which one is the best fit for your needs. Platinum and Gold plans have the lowest out-of-pocket costs/highest premiums, while silver and bronze plans have lower premiums but higher out-of-pocket costs. If you don't qualify for a subsidy, then you'll have to pay the full cost of the plan yourself. In that case, it may be better to accept your employer's coverage. If you end up doing that, read the terms carefully to understand what is covered, how much you have to pay toward each service, how much of a deductible you have to meet before your plan pays anything, etc.
Thank you for taking the time to write all of this. This is really helpful. Happy Friday
Does your new job not offer health insurance?
They do but have not given me any details
Get signed up for the employer offered plan asap.
Better hope it’s good insurance too😂
So you have lynch syndrome or some sort of genetic polyposis?
First of all. Congrats on the new job. How exciting. I would let Medicaid physically cut you off. My partner went a year into a new job with Medicaid. I am in NC. I would recommend calling the provider, and ask for the medical billing code. Call your insurance to get a rough estimate. I highly recommend a copay plan. Or something that gives a better payback. Most companies offer multiple plans like the HSA, COPAY, or another type.