ACA and Marriage – Health Insurance Questions

posted 3 years ago in Wellness
Post # 3
Member
9137 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

@love108:  Have you looked into purchasing a basic individual medical plan with a high deductible?  You would pretty much have to pay for doctor visits out of pocket but it would protect you if you had a catastrophic event and you would avoid the penalty tax.  Another option is to not get married and stay on Medicaid until the benefits situation is solved by one or both of you getting jobs with benefits.

I would re-check ACA because going without for 2 months out of the year shouldn’t be an issue; I suspect it depends on what your status is for either: a) a majority of the year (6 months+); or b) on December 31 of the taxable year (but then why wouldn’t people purchase it for a day or month to be eligble and then cancel it?)

Post # 4
Member
2675 posts
Sugar bee
  • Wedding: May 2014 - Madison, WI

I think it really depends on where you live. Our state did not set up a state run marketplace so we will rely on the federal exchange https://www.healthcare.gov/ which would cover individuals and families. You can enter your information in on this website now to see what you might qualify for under them. However, it depends on state – if your state has its own exchange then it may operate a little differently.

However, I have yet to come across a state that doesn’t say “Individuals & Families” There can be obstacles when it comes to getting married. I found the following document to be an interesting view/commentary on ACA and marriage:

The Affects of The Affordable Care Act on Work & Marriage

Excerpt for those who may not want to read it all:

“Two singles would each be able to earn $43,000 and still receive help to purchase health insurance, but if they got married and combined their earnings to $86,000,  they would be far above the limit. As a married couple, the most they could earn and still get government help with health insurance premiums would be $58,000, a difference of almost $30,000, or 32 percent. This is a substantial disincentive to getting married, or to working while married”

I hope you’re able to find an option that works for you. Also, as the ACA comes into effect look to see if your local public health dept or government offers any guidance. I work in public health and in our county we are offering sessions a public libraries for people to talk to experts on the ACA who can help them figure out if they qualify and help them apply.

 

 

Post # 6
Member
2675 posts
Sugar bee
  • Wedding: May 2014 - Madison, WI

@love108:  That does make sense and it does seem your state is perhaps a little more restrictive if you’re eligible for an employer offered/paid plan. In a presentation I attended through work we were told if an employer offered plan was not affordable residents here could buy from the exchange instead. It may help to speak with one of their navigators just to make sure. It does state “To check if your employer coverage is affordable and adequate, contact Vermont Health Connect in October.” I would do this because they might be able to help if you feel together your income is not sufficient to pay for you to be added to your FI’s insurance. It never hurts to explore every option.

I bought my own high deductible health plan for awhile when I was done with graduate school and off my parents insurance. It was $70/mo with a $4,000 deductible. I paid nothing for an annual checkup. Had low prescription costs. Outside of that I got what I consider the health insurance “discount” on other appointments. I made one trip to urgent care that cost me $110. Otherwise I never used it for anything else.

It’s tough. I guess most people I know in similar situations have taken any job they can to get insurance. I worked with a wonderful bright girl who has background in science/lab work etc…she is actually working for an insurance company right now just to pay her bills and get benefits. It’s not what she went to school for and she doesn’t love the job but she’s been keeping it until something better comes along in her field. Like you said you have a year and I would try your best (which I am sure you are) to keep looking for jobs.

 

 

Post # 9
Member
134 posts
Blushing bee
  • Wedding: October 2013

My situation is a bit different, but I am also kind of in the same position if that makes sense.

I have been engaged for almost 3 years now because of insurance issues. My      fiance doesnt get insurance through his work (chef) for who knows why. He gets paid well though for his field. (of course, he never gets sick like your fiance), and I can’t afford insurance through my work. Instead, my children and I are insured through medicaid. The second I get married, I lose it. Not the kids, thank goodness. I have some intensifying medical problems and we have been putting off getting married for what seems forever now. I will be done with school in about 1.5 years and until then, we will be just getting by. 

It really takes the romance out of getting married! We never planned to have a big wedding, we simply do not have the money and refuse to go into debt. Well, I have finally had it and we are going to the courthouse with our parents and getting married in early October. My doctor cant seem to find a reason for my medical problems and wont do surgery anyway. So I am just going to have to take it easy until January when I hope ACA will kick in? and I can go back to the doctor. I dont know much about it, but I am crossing my fingers it will work out. Me and my then husband will get insured and I can, because they will accept a pre-existing condition.

It is so frustrating because we share an income and expenses now and I qualify for medicaid. When we marry, its the same income! I hate how they combine incomes as if it makes a difference. I understand the rules and such, it just sucks. I cant wait to be done with school! 

 

Post # 11
Member
134 posts
Blushing bee
  • Wedding: October 2013

@love108:  I feel the same way. We almost decided to do a ‘spiritual wedding ceremony’ and do it legal down the road, but it just isnt good enough for me. I want the real thing. I want to celebrate the actual date on our marriage certificate, I want the name change. I also think about the future. what if a family member tries to find out about me 80 years from now, they would find a marriage certificate with that date, and not know the real story of getting spiritually married before-hand. man i am too analytical! lol

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