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Firm_Love3598 t1_j4rz0dj wrote

I get an HMO plan through the connector. I don’t qualify for any discounts or subsidies. We are 49m and 39f, no kids. Monthly premium for a platinum level plan is $2388 per month, no dental coverage.

If you currently have health insurance where you live and will lose that insurance when you move you will be able to apply in Massachusetts under a qualifying event.

I find the health connector quite cumbersome and largely unhelpful when I have a problem.

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ghostlypyres t1_j4rzsfu wrote

You have an HMO through them? When I called this morning, the lady on the line insisted they only do EPOs... Good news, then;

But also that monthly premium is more than my rent will be :')

Yeah, the health connector has just... Not been helpful. Not the site and not the call center operators. That's why we asked here. Thanks for your response!

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Firm_Love3598 t1_j4s1sce wrote

There are certainly lower premiums available for HMO plans. We choose the platinum tier to avoid additional costs associated with healthcare. Our max out-of-pocket is $3,000, no deductibles, very low co-payment and prescription coverage is unmatched.

I have diabetes and a recent kidney transplant. I didn’t even reach my max out of pocket last year.

I imagine gold, silver, and bronze plans will be substantially less per month but if you have a medical emergency your annualized cost could be significantly higher than paying up front.

Most people here get their insurance through their employer. I’m self-employed and she doesn’t work so this is our best option.

Good luck.

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ghostlypyres t1_j4s38xa wrote

That is a really nice plan, from the sounds of it!

Thank you, gonna need it 🙏

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KatinkaVonHamhof t1_j4t508e wrote

An EPO is very similar to an HMO. Same sorts of network restrictions, but you typically don't need a referral, and a PCP is often not required.

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