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Old 09-08-2021, 09:06 PM
 
8 posts, read 6,545 times
Reputation: 15

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I’m trying to help my teacher daughter get health insurance since she left (due to Covid) her in person teaching job (with benefits) to work at home as a remote teacher (no benefits). Marketplace insurance starts at about $380/month. There used to be organizations that offered group insurance. Can’t find any. So how does a person with a modest-ish salary afford health insurance? Where? How? Any tricks or ideas?
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Old 09-08-2021, 11:50 PM
 
Location: We_tside PNW (Columbia Gorge) / CO / SA TX / Thailand
34,745 posts, read 58,102,528 times
Reputation: 46237
1... consider another state (More HC options on exchange)
2... if healthy, consider HC sharing network (not insurance, but extended family has used successfully for over 20 yrs.)
3... start an LLC with at least 3 members and get a group policy.
4... Consider leaving the USA, especially if under age 28 (NZ !)
5... return to college for refresher course and use their HC options.
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Old 09-09-2021, 04:30 AM
 
Location: Kaufman County, Texas
11,858 posts, read 26,895,583 times
Reputation: 10608
$380 a month is pretty good. Employee only coverage on an employers group plan usually costs around $550-750 depending on the plan. What’s her COBRA rate that her former school offered?

The best way for someone with a modest salary to get health insurance is to be covered by an employers group plan.
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Old 09-09-2021, 07:34 AM
 
1,952 posts, read 830,397 times
Reputation: 2670
Yes, 380 a month is not bad at all.
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Old 09-09-2021, 08:22 AM
 
Location: Austin TX
11,027 posts, read 6,512,925 times
Reputation: 13259
$380 is not at all out of line.
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Old 09-09-2021, 08:45 AM
 
Location: Austin, TX via San Antonio, TX
9,853 posts, read 13,708,956 times
Reputation: 5702
Where in Texas does she live? Most large urban areas have Marketplace Navigators who can look at the plans (specific to the marketplace) with you to see what the best option is for you/daughter
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Old 09-09-2021, 07:59 PM
 
11,835 posts, read 8,033,043 times
Reputation: 9978
I pay about $500 monthly through my employer. Would love a $380 monthly health insurance payment.
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