u/Personal_Classroom80

My son has been approved for SSI/SSDI which leaves just me needing insurance.

We were covered on the marketplace for 369/mo with a 400/800 deductible.

Removing him and increasing household income the plan has changed to $891/mo for only me with 5000/10000 deductible!

This will take 1/3 of my take home pay. And now I would have to pay the first 5k for it to kick in.

I'm just sick! I was told because household income increased and removing him caused this change. (My spouse is now on SSDI so add that to household income. My son is 21 and gets a small amount of SSDI-so that must be counted.)

The change is happening in June. I am at the point of cutting my hours and income- NOW.

I am told by removing him from the policy due to his approval for SSDI/SSI is not a qualifying event.

What options are there? (Besides cutting hours and making less money?)

TIA

My 21 yr old son was approved for SSI. His DAC was denied and our attorney is appealing that. (My spouse has raised him since the age of 4).

BUT- he has now been approved for SSDI under himself! I am baffled how that can be so, as he has only worked maybe 20 quarters and has NEVER had SGA.

He received his Medicare card already. His DOE has an earlier date under SSDI but he has received no backpay from SSDI. When my spouse was approved they sent all of his backpay. So IDK if he will get $ for that, or not.

He has received 1/3 of backpay under SSI.

Does anyone know how this is possible?

TIA