What did you do for health insurence?

[novedsac 355]

To the poster whose spouse is a student and who is covered under their parent's insurance, you may want to look into coverage through the university as a married couple. Universities usually provide very reasonable coverage for their students and dependents. You may find that joint coverage at the university is cheaper than private coverage for yourself … and if your spouse is their parents' only child, then they would realize a savings as well without him on their plan. Shuffling the dollars around may lead to a good plan that works for everyone.

A very long time ago when I was between jobs, I enrolled in classes which had the additional benefit of affordable health care coverage for me and my family which was significantly less than the COBRA coverage i would have needed otherwise.

[kc247 22]

To the poster whose spouse is a student and who is covered under their parent's insurance, you may want to look into coverage through the university as a married couple. Universities usually provide very reasonable coverage for their students and dependents. You may find that joint coverage at the university is cheaper than private coverage for yourself … and if your spouse is their parents' only child, then they would realize a savings as well without him on their plan. Shuffling the dollars around may lead to a good plan that works for everyone.

A very long time ago when I was between jobs, I enrolled in classes which had the additional benefit of affordable health care coverage for me and my family which was significantly less than the COBRA coverage i would have needed otherwise.

Thankyou, yes we did look into it, was surprisingly more expensive than I thought. Right now I am looking into the whole obamacare thing, seeing what it is in comparison. Hoping to have something this week..I don't like going any amount of time without!

[Tala202 27]

Happy I found this thread. I'm kind of in the same situation. My husband's insurance comes from Germany (I'm not too clear on the exact details, but his parents took care of it for him 5 years ago and he's been covered under that ever since). I highly doubt I could be added under the same policy (although we'll try). I'll be starting work/school a little bit after I move to the US, but I don't know what to do in the meantime.. and I really don't understand how Obamacare works tbh Any suggestions?

[Boiler 44,857]

Happy I found this thread. I'm kind of in the same situation. My husband's insurance comes from Germany (I'm not too clear on the exact details, but his parents took care of it for him 5 years ago and he's been covered under that ever since). I highly doubt I could be added under the same policy (although we'll try). I'll be starting work/school a little bit after I move to the US, but I don't know what to do in the meantime.. and I really don't understand how Obamacare works tbh Any suggestions?

Unlikely any German Insurance would meet Obamacare requirements.

[Tala202 27]

Unlikely any German Insurance would meet Obamacare requirements.

Well it's German-based, but used only for coverage in the US, as in he's fully covered in the US. :/

[Boiler 44,857]

Nobody is fully covered, wherever they buy Insurance.

Insurance is a very heavily regulated industry, to sell qualified Insurance the Company needs to be registered and regulated in the State he is Resident in.

[kc247 22]

I have been trying to apply for obamacare on the healthcare.gov website for the past week+..sooo annoying, freezes on me and now I can't even log in! Keeps saying they have to confirm my identity before I can pick a plan. I am going to have to call tonight to get coverage before the 31st..but would much rather just complete it all online. I miss Canada and the coverage I had there!

[Tala202 27]

Nobody is fully covered, wherever they buy Insurance.

Insurance is a very heavily regulated industry, to sell qualified Insurance the Company needs to be registered and regulated in the State he is Resident in.

I'll have him look into that then..

[HuskerPower66 3]

Wouldn't the spouse losing coverage from her home country constitute a change of status and allow for the addition of the spouse to the insurance plan? That's my wife and I's plan after she gets here.

[Udella&Wiz 325]

Yes it would - talk to your Benefits/HR admin at work and you can advise them that this change is coming up and they can tell you what you have to do. I wouldn't assume anything and every plan is different. Some make you wait until the next Open Enrollment period of the plan at work, although that is not common.

Wouldn't the spouse losing coverage from her home country constitute a change of status and allow for the addition of the spouse to the insurance plan? That's my wife and I's plan after she gets here.

[Stubby and Rio 4]

I didn't have any insurance until recently through my job, my husband has been trying to be me on his insurance but what a mess that has been. It was scary not having any insurance...