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Jan 27, 2023
5:26
:21
pm
byubyu
All-American
I think there's an issue with getting a marketplace plan if your employer
provides coverage. It might not be possible in most situations IIRC.
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byubyu
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byubyu
Joined
Jun 28, 2006
Last login
May 5, 2024
Total posts
65,873 (2,899 FO)
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Messages
Author
Time
Health Insurance Open enrollment help needed.
CougaRR4L
1/27/23 4:10pm
When I retired we met with Zac at this agency and he found a great plan for us.
O Gaucho
1/27/23 4:23pm
Does that include major medical insurance? Is the limit $1 M? I don’t think
Iman23
1/27/23 4:29pm
I found the worst possible policy on healthcare.gov, WITH an HSA, and a
Iman23
1/27/23 4:25pm
Thanks for the suggestions- yes to preexisting conditions.
CougaRR4L
1/27/23 4:30pm
Go with the exchange and figure out the likely break even based on your usage. T
Iman23
1/27/23 4:36pm
Some thoughts:
VenturaCoug
1/27/23 4:26pm
Also, note that health share ministries often have pre-existing condition limits
Doogal McCougar
1/27/23 4:30pm
Yeah I would run into issues there for a couple of my family members.
CougaRR4L
1/27/23 4:31pm
Good thoughts to factor in. Thanks for offering them.
CougaRR4L
1/27/23 4:31pm
Interesting about #1. I didn’t know that. I am self employed so it’s always been
Iman23
1/27/23 4:40pm
In a health share, I believe you get the healthcare expense deduction, in excess
Doogal McCougar
1/27/23 4:48pm
The monthly “share” is NOT tax deductible. People do it, but it is not allowed
Iman23
1/27/23 4:53pm
Aye. That's what I meant. The amount shared can help get you above 8.5% fairly
Doogal McCougar
1/27/23 5:00pm
RE: Aye. That's what I meant. The amount shared can help get you above 8.5%
Doogal McCougar
1/27/23 5:01pm
Could your employer reimburse you for separate coverage premiums instead
Doogal McCougar
1/27/23 4:39pm
I imagine that might run afoul of IRS rules. Employers have to offer the
VenturaCoug
1/27/23 4:58pm
I think there's an issue with getting a marketplace plan if your employer
byubyu
1/27/23 5:26pm
I think you can if the employer plan costs too much. There's probably some
thor1991
1/27/23 10:54pm
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