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joeyirv t1_irgcua2 wrote

new hires is a change of lift event. once your initial three months were up your insurance should have been available immediately. something sounds sketchy.

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rgbtexas t1_iri0rcn wrote

Unfortunately, that's not how some companies operate. To reduce costs due to higher turnover within a time period they will build hurdles. I've seen trial or probationary periods from 30 days - 6 months. New employee events last 30 days form date of hire. Once that period is over you have to wait for the open enrollment periods. Most companies it's once a year some have more.

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Cuprunnethover2022 t1_irhcrec wrote

Very soon is open enrollment for Obamacare....you can get a cheap plan that works with your salary.

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black_stallion78 t1_irhvtgf wrote

It’s Affordable Health Care, not Obama Care.

https://www.healthcare.gov/

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rgbtexas t1_iri0ys8 wrote

Not for NJ. It's https://nj.gov/getcoverednj/

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black_stallion78 t1_irjfa2x wrote

I was referring to the name. It’s never officially been called “Obama Care”.

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rgbtexas t1_irjfpz9 wrote

I was correcting where you were sending OP. They should go to the NJ site. Not the federal site.

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black_stallion78 t1_irjg08a wrote

Ok. I was correcting OP that it’s not called Obama Care. It’s literally not the official name.

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HobokenJ t1_irjapw9 wrote

It is... and it isn't. If you make over a certain income, you aren't eligible for Federal subsidies. In which case, you purchase your insurance through the NJ healthcare marketplace (it's essentially the same plans).

In the case of the OP, they will receive federal subsidies, so they should start at healthcare.gov.

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rgbtexas t1_irjd03z wrote

You are mistaken.

Some states operate their healthcare market place like NJ. If you start on the federal site it will direct you to the state. The following states operate their marketplace: California Colorado Connecticut District of Columbia Idaho Kentucky Maine Maryland Massachusetts Minnesota Nevada New Jersey New Mexico New York Pennsylvania Rhode Island Vermont Washington

In the case of NJ and the OP NJ also has it's own subsidies - in addition to federal. The NJ subsidies do cap out. "An individual with an income of up to $77,280 and a family of four who makes up to $159,000 can receive state subsidies to lower the costs of health coverage. These savings are in addition to federal financial help."

https://nj.gov/getcoverednj/financialhelp/premiums/

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HobokenJ t1_irmyg2i wrote

Yes, you will be directed to the State website. I offered the link to the affordable care website because I knew it off the top of my head ;)

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rgbtexas t1_irsm9be wrote

But your other information is just wrong. You said if you make too much you don't qualify for federal subsidies in which case you go to the NJ site. The plans are similar.

This is wrong.

  1. NJ residents cannot use the Federal site. Period. There is no option. You can't compare the two because you have no other option under ACA.

  2. Yes there are income limits that apply to federal and state subsidies. However, you can't pick and choose which site you use to try and get different subsidies. You can only use the NJ site. If you try to use the Federal site you are redirected to the NJ site. The NJ site will apply all subsidies you are entitled to have. You may choose to get them monthly to reduce your payment or annually in tax refund.

  3. If you don't like the ACA plans you can go private. If you don't earn enough you may qualify for Medicaid. The site will calculate which based on income. If you need medicaid then go to NJ Family Care https://njfamilycare.dhs.state.nj.us/ to apply.

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black_stallion78 t1_irjfix4 wrote

It’s never been officially called “Obama Care”. That’s what I was referring to.

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HobokenJ t1_irja7ue wrote

Strongly recommend you look at your options via healthcare.gov --you may end up paying next-to-nothing for insurance. NJ offers subsidies on top of the federal subsidies. You can have insurance almost immediately.

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