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I am considering an offer for a job on LI. And my new employer's health insurance will not start for 3 months. I live in MA and have universal healthcare so COBRA is not an option. I just need something for a couple months. I am young(24 year old male,)healthy, have no health problems, no kids and no wife. Just need something for a couple months in case I get hit by a bus or something. Can I get this for under $200? Any direction anybody can give me?
Hey, jdm. I am a freelancer and I have been not so ideally without insurance for the past two years. Although I see your reasoning, I don't know if our state administered health plans would be advisable- we have something here called Healthy NY that is the least expensive option for individuals. There is, I believe, a $60K income limit but the cost per month is about $250-350.
I pay for medical costs out of pocket, and I go to my long-time family doctor in Babylon Village. It costs me $52 a visit. I go every three months, so it isn't really prohibitive. But private plans in New York run about $800 a month for an individual. Luckily you know you'll be getting it in three months, but I can say that in my search for insurance I haven't found a state one I qualify for (like Healthy NY) or a private one I can afford (under $700-800 a month.)
Hey, jdm. I am a freelancer and I have been not so ideally without insurance for the past two years. Although I see your reasoning, I don't know if our state administered health plans would be advisable- we have something here called Healthy NY that is the least expensive option for individuals. There is, I believe, a $60K income limit but the cost per month is about $250-350.
I pay for medical costs out of pocket, and I go to my long-time family doctor in Babylon Village. It costs me $52 a visit. I go every three months, so it isn't really prohibitive. But private plans in New York run about $800 a month for an individual. Luckily you know you'll be getting it in three months, but I can say that in my search for insurance I haven't found a state one I qualify for (like Healthy NY) or a private one I can afford (under $700-800 a month.)
O wow! $800! That sucks! No way am I paying that. When i had no employer insurance in RI and MA. I paid like 140(in RI it wasn't through the state either).
O wow! $800! That sucks! No way am I paying that. When i had no employer insurance in RI and MA. I paid like 140(in RI it wasn't through the state either).
Downstate NY is very expensive! When you get further north, the price drops significantly, but that doesn't help you any.
jdm2008, one thing to remember, if you are without insurance coverage for more than 60 days, the new coverage will scrutinize anything over the next 12 months for "pre-existing condition". You stated you're healthy, so it shouldn't be a problem; just thought you might want to be aware of it.
jdm2008, one thing to remember, if you are without insurance coverage for more than 60 days, the new coverage will scrutinize anything over the next 12 months for "pre-existing condition". You stated you're healthy, so it shouldn't be a problem; just thought you might want to be aware of it.
He does have health insurance via the Massachusetts state plan. If he moves and immediately buys new health insurance for the 3 months he should be okay.
He does have health insurance via the Massachusetts state plan. If he moves and immediately buys new health insurance for the 3 months he should be okay.
I may be wrong, but it doesn't sound as though he'd qualify as "independent contractor" - I was referring to your link...
Yes I see those. I see one$196 but with a 10k deductible I have to ask if I should just skip it altogether. $285 for 3500 deductible. I guess that's the best I can get.
I may be wrong, but it doesn't sound as though he'd qualify as "independent contractor" - I was referring to your link...
Guess not. Although I thought that the Freelancers Union will take anyone who pays their dues. Well the other poster who chimed in is a freelancer so it might help her. Maybe he should ask his state plan in MA what a person does in the situation he is in and see if he could extend state sponsored coverage for a few months somehow by signing up for the NYS plan upon moving or if the Massachusetts plan will extend for a short period of time in another state (although that may not be possible since he would probably have to use MA-based physicians, etc.). I know that when some states were trying to get rid of welfare recipients, they would send them to another state and pay all their expenses including health insurance (Medicaid?) for 1 year until they were "residents" of the new state, so why can't MA do this if it wants to? Alternatively, for only 3 months he probably will be able to make it without insurance. Do employer-sponsored plans also have the "pre-existing condition" stuff if a new employee wasn't covered by insurance for a few months?
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