Now we get insurance through DH's employer. For him it's free but for me & DS it's $750 a month. His paychecks are pitiful, not even enough to cover the mortgage after insurance & taxes are deducted! And that's our only income (actually I'm on temporary disability but there have been lots of paperwork glitches so I am inconsistently receiving checks & the program's time limit expires in a couple months anyway so I don't really factor it in).
OK sorry to ramble. Anyway, we are also paying about $250/month (in a good month) for copays on top of the $750. I'm so stressed about it!
DS should qualify for the state-subsidized plan (Medicare) and we'd only have to pay around $60/month for him. But DH's employer charges $750/mo whether it's just one extra person on the plan or two. So we'd still have to pay $750 for me to stay on his plan. I can't go without health insurance, especially because of my medical issue & therapy.
So now I'm wondering if there's some way I can get an individual plan just for me, but every website I check says there are no plans available in my area. When my temporary disability officially runs out, there is a chance I might qualify for the state plan, but a lot of my doctors don't accept it (and it's taken so long to find good doctors!!) So maybe I just need a catastrophic plan & pay for everything else out of pocket???
I just don't know what to do. We can't keep paying over $1000/mo on health costs, our savings is almost gone and then we'll be totally screwed. I feel like there must be other options out there but I can't find them.