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There are a lot of lies and falsehoods in your statement. Your employer can't "take away" your health insurance in the US in most cases. If they will stop payi

There are a lot of lies and falsehoods in your statement. Your employer can't "take away" your health insurance in the US in most cases. If they will stop paying for it in most cases they will send you a letter giving you the option to pay for it. This will cover you for up to 36 months. What you would do is after being laid off is to take advantage of the downtime to get LOTS of care. That's actually pretty common approach, folks max out benefits for 1-3 months then let COBRA coverage drop. I've seen some folks take advantage of the 60 day period to decide to basically go get tons of testing, if nothing comes up they let it drop after 30 days. If they expect lots of costs they keep coverage. Alternatively, a layoff is a qualifying event. You can sign up for subsidized coverage on the obamacare exchanges. For an individual this helps with incomes < $51K, and households of 4 < $106K. For example, if you still have SOME income coming in (let's say $20K per year) you'd do something like a Silver 87 plan. That runs about $3/month. Alternatively, if you fall below certain thresholds in income (ie, laid off with nothing) you would be eligible for medicaid for adults. For an individual this kicks in for incomes below $17,000.

hotpotamus 5y ago
I hope there are lots of lies and falsehoods in my statement because it's what I'm actually living through currently. I have Legg Calve Perthes disease which affects my hip, and was recently laid off. Cobra is too expensive, so I suppose I may have to go the Obamacare route, but I live in a state that isn't too big on it, so no there's no Medicaid for single adults. And I suspect Obamacare won't be around after Republicans take the Senate, House, and Presidency once again, likely in 2024. Joint replacements don't last forever and can have serious complications requiring $100K's of treatment if things go wrong. I can tell you it's pretty grim looking at a crippling illness and trying to juggle employment so that you might have a hope of managing that illness. So yes, I hope I'm wrong but so far it isn't looking so good.
- onphonenow 5y ago
  Obamacare does not have any pre-existing condition exclusions - I would absolutely get care now vs later. Single nondisabled male adult - not in mandatory medicaid coverage groups unfortunately. That said, many of these types of states are are aggressive about offloading to disability. Depending on your circumstances than can be a route to medicaid as well.

hotpotamus 5y ago

I hope there are lots of lies and falsehoods in my statement because it's what I'm actually living through currently. I have Legg Calve Perthes disease which affects my hip, and was recently laid off. Cobra is too expensive, so I suppose I may have to go the Obamacare route, but I live in a state that isn't too big on it, so no there's no Medicaid for single adults. And I suspect Obamacare won't be around after Republicans take the Senate, House, and Presidency once again, likely in 2024. Joint replacements don't last forever and can have serious complications requiring $100K's of treatment if things go wrong. I can tell you it's pretty grim looking at a crippling illness and trying to juggle employment so that you might have a hope of managing that illness. So yes, I hope I'm wrong but so far it isn't looking so good.

onphonenow 5y ago
Obamacare does not have any pre-existing condition exclusions - I would absolutely get care now vs later. Single nondisabled male adult - not in mandatory medicaid coverage groups unfortunately. That said, many of these types of states are are aggressive about offloading to disability. Depending on your circumstances than can be a route to medicaid as well.