Recommend health care K1 Adjusting status

[purem4g1c 113]

Hi there,

 

My situation: Married June 5th, 2019, I currently have no health care. My wife is on Medicare(In New York so if something we're needed to be done for her she'd have to go back to NY for her current health care.) We have moved to Florida since then. So technically her medicare which covers absolutely everything would not work here which is worrisome. I signed up on HealthCare.Gov and we seem to be eligible for a premium tax credit. Would it be a bad idea to enroll in a plan before the documents are approved on the website? Or should I completely stay away from healthcare.gov and go with a private insurance company? My wife is not working so she doesn't have employers insurance. I make about $20-30k per year from my savings account in Canada/ and dividends which made us eligible for the premium tax credit when I file for my first IRS tax return next year in 2020.

 

There are some pretty good silver plans available to us through healthcare.gov with $0 to $400 deductible's which we would have to pay a little out of pocket and the premium tax credit would cover the rest.

 

Would it be bad idea to enroll in a healthcare.gov plan or wait until the petition is approved to enroll. It says the closing date to enroll is August 4th which is coming up soon. Otherwise I might just go with private health insurance if we don't get approved for health insurance through that system.

 

I've been trying to research health care in America and jeez it is confusing subject, if you have any recommendations please let me know.

[Lemonslice 4,963]

Deductible is not the premium. 

 

How long is she able to live out of New York state and keep her plan?  Are you planning to work (then insurance from your employer might be best option, cost between $0-$500 approx.  per month, depending how much the employer is covering,and if you add your spouse to your plan).

 

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I am not an expert on health insurance, however I think life would be much better in Canada thani n the US with your limited income. 

 

 

[purem4g1c 113]

1 minute ago, Lemonslice said:

Deductible is not the premium. 

 

How long is she able to live out of New York state and keep her plan?  Are you planning to work (then insurance from your employer might be best option, cost between $0-$500 approx.  per month, depending how much the employer is covering,and if you add your spouse to your plan).

 

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I am not an expert on health insurance, however I think life would be much better in Canada thani n the US with your limited income. 

 

 

Yes I know its not the premium. I have some $0 deductible's available to me through healthcare.gov

I will open a business once I am able to work like I had in Canada. So I won't be getting health insurance through an employer either.

 

She is able to keep the plan until October 2020 if she renews it.

 

My business in Canada was earning around $150-300k USD per year. In the US it would probably make more. As of right now I am not paying myself since I'm not legally allowed to work and don't want to cause problems which I thought healthcare.gov might be the best situation for me.

 

Thank you for your input.

[databit 328]

1 hour ago, purem4g1c said:

My wife is on Medicare(In New York so if something we're needed to be done for her she'd have to go back to NY for her current health care.) We have moved to Florida since then. So technically her medicare which covers absolutely everything would not work here which is worrisome.

Are you sure you mean Medicare (Federal heath plan) and not Medicaid (State health plan)?

[purem4g1c 113]

Just now, databit said:

Are you sure you mean Medicare (Federal heath plan) and not Medicaid (State health plan)?

I believe you are right. Medicaid most likely.

[Crazy Cat 42,217]

 

17 minutes ago, purem4g1c said:

I believe you are right. Medicaid most likely.

Medicaid most definitely....Definitely not Medicare.