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Liquidretro t1_iy8h0hw wrote

Is that the only insurance plan your employer offers?

Why are you earning so little?

It sounds like about $1000 a paycheck?

How many hours are you working?

The minimum wage in Florida is $11 an hour. So 40 hours 4 weeks a month is $1760 gross, or about $1470 after tax.

Have you considered other jobs or a second job?

I think your plan of gambling without insurance and hoping to qualify for assistance through the hospital to cover all your medical bills is an incredibly large gamble that is almost sure to backfire somehow and end you up in medical debt. If you were young and healthy it's probably less of a risk but still not a great idea. Have you looked into any state based aid programs you might qualify for instead?

Edit: OP replied to this comment and you can read it in the post history but it's not showing. It seems they are only working about 30 hours a week. So step one is to work full time 40+ hours a week.

It sounds like a new, better job might be in order to help fix the income problem and hopefully find a company with better benefits.

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Sonova_Vondruke OP t1_iy8t50q wrote

Because I work in Florida.

More like $18 an hour. Take home $1,800 a month.

Insurance is $440 a month. So it's more like $5k a year not 6.

I'm under contract until March 2024 I could could get a second job . But I think I'd rather kill myself than have zero time to actually live my life.

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yeah87 t1_iycwn22 wrote

If your insurance plan premiums cost more than 9.12% of your household income, then your insurance is considered 'unaffordable' by the government and you are allowed to shop on the marketplace for an insurance plan and may qualify for premium tax credits. Might be worth checking out.

https://www.healthcare.gov/have-job-based-coverage/

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