I am full-time employee with an annual salary of about $37,000 year. The Health Insurance my work offered me this year has an indivual deductible of $6,500. I feel like that’s way too high. Can I qualify for ObamaCare or not? Some times I have to pay $200.00 for a doctor visit out of pocket. I’ll never reach that deductible, so I’ll always have to pay. Can I qualify for other affordable obamacare plans?
You can always decline your employer's offer and opt for a MarketPlace Health Insurance Plan. However, this probably won't be more affordable for you unless you qualify for Health Care Subsidies.
Since you're offered an employer-sponsored plan, you will not be eligible for ObamaCare Cost Assistance subsidies unless
- Your plan is unaffordable: the coverage offered would end up costing more that 9.5% of your household income, or
- Your plan is inadequate: the coverage offered by your employer doesn't have an actuarial value of at least 60%.