My work’s health insurance is too expensive, what are my options?
I’m a healthy young person who has leftover HSA from my previous employer. My current employer insurance will cost me $400-500 per month for myself as a single person. I’d much rather just pay for my appointments/medication etc. out of pocket. However, I run into the problem if something catastrophic were to happen to me. Insurance is very confusing to me, so I thought I’d come ask to see if there are any other options for me to pursue. I’ve also heard mixed things about marketplace but I’m considering talking to a broker to help find me an alternative plan, but again I’m also confused about that as well and I’m afraid of getting screwed over. Let me know! Thank you!
Note: I’m between the age 26-35, I live in Colorado and my income 55k from my employer (I sometimes get extra income from gig work though)
EDIT: it costs $218.24 biweekly
For more context, I was laid off last November. And didn’t start this new job until beginning of March. Between January 1 til now I made an extra 3,480 in gig work on top of my 55k salary I started in March and also some unemployment money as well.