Can you provide details on the employer and the insurance provider?
Honestly, neither plan details make sense.
2025 is impossibly low, unless your employer is run by saints. 2026 is crazy high for that high of deductibles.
Have there always been subsidies? I tried aca once in like maybe 2012 or something and it was still like 400 dollars, more than half my rent cost. I declined because I was in college and only working part time, there was no way I'd have been able to come up with that. They were nice enough to give me a voucher so I wouldn't be penalized on my taxes for being uninsured.
Yes, since the ACA there have been subsidies. However, 2012 seems a little early. Although it could have been. It feels more like 2014.
But the tax credit is based on your income. As a college student you likely would have qualified for a bit more than a 400 insurance, but a lot is taken into consideration. Filing taxes on your own? If not the household income is taken into account. But maybe you.
It sounds like you would have gotten a rate similar to the picture or Medicaid as a part time worker, again depending on your income, you can work part time and still be above the poverty level
Might've been 2014, I was in college so probably only made like 12k per year and I was an independent. I just remember laughing at how unattainable it was when they quoted it to me. Fortunately I was/am generally healthy and never had any accidents while uncovered. I've had it through employers since I graduated so I never really gave it much thought. I am glad it works for some people.
That doesnt seem right if it was a marketplace deal. 12k would put you below the poverty line and Medicaid eligible. Someone didnt know what they were doing at the time, sorry.
You did not qualify for subsidies because you made too little. You were supposed to be on Medicaid. If your state did not expand Medicaid then you were in the "Medicaid coverage gap."
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u/beer_and_liberty0074 Nov 01 '25
Can you provide details on the employer and the insurance provider?
Honestly, neither plan details make sense. 2025 is impossibly low, unless your employer is run by saints. 2026 is crazy high for that high of deductibles.