Post # 1
I cannot afford the health insurance at my job so I declined it. My loving FI said once we get married he would put me on his plan. Well today he is going over his health plan and it states the only way for him to add me is if my job does not offer me health insurance. I took a lesser job about a year ago and we are barely making ends meet and if I get the health insurance we will really be struggling. I know its not the end of the world but just upset that he can’t add me on there. I feel the worst because my poor FI feels as if he let me down.
Post # 3
How much is it at your job? Would you have to pay out of each paycheck, or monthly?
Post # 4
@peachacid: I get paid bi-weekly and it would cost me $110 a pay check. If my FI was able to put me on his plan it will cost him $45 bi-weekly as his rate is really low just for him. I am hoping not to get sick and this is really making me look for a new job asap.
Post # 5
Have you tried looking for health insurance online? My husband and I will be purchasing health insurance through this website and we were able to find reasonable prices. I’m not sure what the rate will be for where you live but here’s a link for you to see what kind of rates are available for you.
Post # 6
Not sure where he works, but he should attmept to add you regardless. most likely they wont ask questions and they will just do it.
Post # 7
If you truly can not afford it. If you have shopped around and can’t find anything that fits your budget and will cause great strain on your situation, You may be able to qualify for government assistance. You have to fill out a form through the social security office (I believe) where they will question your financial situation.
Post # 8
In sorry! This is so crappy and why we are desperately in need of healthcare reform. But I agree with a PP–you could try and apply through your FI and just say you can’t get it from your employer…they might not know otherwise.
I hope it works out for your somehow!
Post # 9
As your getting married in a few months, and your Fi should be able to add you then, how about a limited coverage plan? For past jobs I’ve been with Starbridge. They cost me about $20 per paycheck I think? Also I believe that blue cross offers short term plans.
But you’re not the only one. I quit my job to go back to school this past January and have been without health coverage since. But because I didn’t use it before I figured that I should be safe waiting until I can get put on my hubby’s. Only two more months to go… !
Post # 10
Post # 11
Yeah, I’m paying over 100 bucks for a private plan…that really only covers catastrophic stuff…and 3 visits per year. And I don’t have a job….I’m looking forward to being added onto FI’s insurance…I think it will cost us more, but at least it would cover more.
Just doesn’t seem fair. I’m all for the american dream, but it seems like we Americans get the short end of the stick where it really counts.
Post # 12
I had decent health insurance at my job. I payed $40 a month and it covered almost everything. Now that I’m not working anymore, I really hope I don’t get sick too. At least until FI and I are married and he can add me to his.
The American health care systems sucks ass.
Post # 13
ugh, I feel your pain! When FI and I are married I plan to pick up insurence through my job which would cost me HALF of my paycheck WEEKLY!!! We got him on this free healthcare through one of our hospitals since he can’t work due to a bad back injury but it only covers drs visits not prescriptions…and he takes a ton of medicine ;(
Post # 14
Check out Humana One. They have individual plans that typically run between $80-200 per month. My brother was able to get coverage during grad school for $85 per month and I had coverage for awhile through them for $115’ish per month. There are options out there, especially if you are currently healthy and don’t smoke.
Post # 15
I pay 300 a month for myself and 100 for my son. 1/4 of my check goes to healthcare an union dues >:O
I don’t even get the best plan, just the middle
Post # 16
That’s strange, usually a life event (marriage, divorce, birth/adoption of child) allows you to add/remove a dependent within 30 days. But yeah, costs are crazy. I added my husband to my health insurance through work and pay $166/paycheck. If I stay here and have kids, then it’ll be $262/check. And the benefits aren’t even that great, I still have a $3000 deductible on top of the premiums I pay – 26 pay periods a year means I’m already out $4316/year before my deductible. Can I move to Canada? 🙁