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RyanChambers

By RyanChambers
in Questions About Hiring

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sync Grand Master

+ sync

Posted
Posted
Is there a way to move this thread over there?

I don't know the necessary technology steps myself, but I'm sure if you click on the "report" link and type in your transfer request, one of the site administrators will be able to do it for you.

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Kevin Slater Grand Master

Kevin Slater

Posted
Posted

It's quite easy to sign up for Obamacare on the state exchange, or simply contact the insurance companies directly to purchase a plan.

 

I'm always surprised how people feel that health insurance chains them to their employer.

 

I doubt you want to get specific plans recommendations on here. A lot would depend on your specifics (most notably, where you live).

 

Kevin Slater

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Eric Hassan Experienced

+ Eric Hassan

Posted
Posted
What's up guys? I'm asking my fellow providers what they do regarding health insurance. Id like to take on escorting full time but my current job offers me insurance and that's just about the only thing holding me back from leaving. Anyone have independent health insurance? Recommendations?

 

as @Kevin Slater said, signing up for insurance under the ACA is simple, at least in NYS and from what i understand, a lot of other states - prices and plans can vary based on where you are and what's avaialble - i know a few years ago, i was paying about 300/month for my obamacare coverage, though i don;t have any chronic conditions, no significant health history, take only one medication (prep), and have very little need, so i could afford to take a less expensive plan

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jjkrkwood Grand Master

jjkrkwood

Posted
Posted
hmm perhaps wait till you turn 65 and apply for medicare

 

AARP can help out. :)

 

Medicare doesn't cover everything, only about 80% of approved charges. If its a costly procedure the additional 20% can really put a dent in your purse.... Therefore, you also need the supplemental insurance.

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Walker1 Grand Master

Walker1

Posted
Posted (edited)

 

I'm always surprised how people feel that health insurance chains them to their employer.

 

I doubt you want to get specific plans recommendations on here. A lot would depend on your specifics (most notably, where you live).

 

Kevin Slater

Not chained , but at least limits us to jobs that offer the same. Those of us with kids is prohibitive to get it on our own. Those of us who are upper middle class-not rich-hits the most as we do not qualify for subsidies anymore. People in my area are paying 1100-1800 a month for a family . Which is more than rent or mortgage/property taxes in our area for a decent non crime home with a moderate school district. Whereas those on the job is about 200-300 for what seems like better insurance. Almost all big companies offer them, so you can move around.

 

But yeah to the OP, good luck-the stuff ain't cheap-but one of those necessary evils. You definitely need them-especially when you have a family and even when single -when something hits you can be be shocked at prices.

 

Dental insurance also is a good investment.

Edited by Walker1
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LaffingBear Veteran

LaffingBear

Posted
Posted

Depends on the State you're living in, but coverage under ACA is very doable.

 

In CA youll need to report your income. And if its officially too low, your only option is MediCal if you want some financial assistance. But if you're officially earning 1-3 times poverty, there's access to several plans, with a sliding-scale of premium assistance. And near-guaranteed access to insurance if you're willing to pay full premium.

 

Premiums arent really that high for younger subscribers. Especially with a few thousand dollars set aside for rainy-days, a high deductible plan will provide good catastrophic coverage. Most plans allow for the basic preventive care, like an annual physical, a flu-shot, etc. not subject to the deductible.

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peterhung85 Experienced

+ peterhung85

Posted
Posted
What's up guys? I'm asking my fellow providers what they do regarding health insurance. Id like to take on escorting full time but my current job offers me insurance and that's just about the only thing holding me back from leaving. Anyone have independent health insurance? Recommendations?

Is it perhaps a possibility to keep your job then and do escorting on the side?!

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Hung_Cody Experienced

+ Hung_Cody

Posted
Posted
What's up guys? I'm asking my fellow providers what they do regarding health insurance. Id like to take on escorting full time but my current job offers me insurance and that's just about the only thing holding me back from leaving. Anyone have independent health insurance? Recommendations?

 

https://nystateofhealth.ny.gov/

 

You can put in your income and it will calculate your out of pocket premiums. Assuming your taxable income will be a lot less given your new job is mostly cash.....your out of pocket will be very low or zero.

If your income is less than ~17k/year in NYC you get free Medicaid...no premiums no copays.....even dental.

DM Me if you want details!

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Worthington45 Apprentice

+ Worthington45

Posted
Posted
What's up guys? I'm asking my fellow providers what they do regarding health insurance. Id like to take on escorting full time but my current job offers me insurance and that's just about the only thing holding me back from leaving. Anyone have independent health insurance? Recommendations?

If you leave your current employer you’ll have the option of taking your current insurance plan(s) (health, dental, vision, life, etc.) with you for up to 18 months under federal COBRA statutes. You should check with your employer about the premium rate, it may be cheaper than ObamaCare. You will be responsible for paying the entire premium monthly during that time. You can cancel it at any time during the 18 months.

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maninsoma Grand Master

maninsoma

Posted
Posted
https://nystateofhealth.ny.gov/

 

You can put in your income and it will calculate your out of pocket premiums. Assuming your taxable income will be a lot less given your new job is mostly cash.....your out of pocket will be very low or zero.

If your income is less than ~17k/year in NYC you get free Medicaid...no premiums no copays.....even dental.

DM Me if you want details!

 

You might want to rethink the idea about disclosing a way that people can commit fraud to pay less in income taxes and appear to qualify for benefits. Just because someone's job is "mostly cash" doesn't mean that cash payments aren't taxable. I understand that many people who can avoid claiming part of their income may do so, but I'm not sure it's wise to advertise that so freely on a public message board.

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VictorPowers Mentor

+ VictorPowers

Posted
Posted

Hey there OP, great question to bring up. I have insurance through the marketplace. Open enrollment begins in a few months so it’s good you’re thinking about this now. I chose a high deductible plan so I can contribute to an HSA account. Setting things up this way provides some tax advantages and I found it to work for me. Also note that my prep is still “Free” by using my insurance coupled with the Gilead Copay Card.

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