What are my other options?
Hi there! Married 23 yr old trying to navigate the complexity of this well. I currently am using the aca marketplace for Colorado. i pay 240 a month with a 7500 dollar deductible with cigna. Healthy guy with no chronic illnesses or anything. From what i understand that is still low compared to the majority. Me and my wife have some substantial savings but are very low income for our city and having a little one. My wife is on medicaid as is the baby so i just need coverage for myself. We are living paycheck to paycheck on monthly income and want savings to stay savings.
To me it does'nt seem worth it to pay 2900 dollars a year for what will likely be one doctors appointment a year. I feel i really just need the coverage in case of a major accident that lands me in the hospital or er as i cant see a scenario where i reach that deductible otherwise. Have looked into the larger non-religious sharing programs and understand they are not obligated to share costs and the risk there. However being able to get a large self pay discount, have no network limitations, and be able to talk to actual people instead of robots reading a script seems rather attractive. the being reimbursed later aspect is not a big downfall for me. Not to mention id have a lower "deductible" and monthly premium.
Are there any other options id fit into that don't carry that risk? I know yall are sharing haters based on other threads so where would you send me?