Question about health insurance plans

Changing to a job without insurance should allow him to do a mid-year exchange policy.

OP, look at COBRA. It may be a terrible deal (it usually is) but take a look just in case.

I believe you have 60 days to obtain coverage after a family-status-change.

Get on the exchange fairly quick, just in case the exchanges are pulled by the insurance companies.

Or, you could call an insurance broker who handles health insurance. There were few before ACA, and now they are even scarcer.

If in Louisiana, Blue Cross might, just might, sell you a policy off the exchange, but it will take a while to qualify you and pre-existing may apply. And they could cancel you if you decide to have a baby.

I don't have a choice anymore, but I'd look at the High Deductible offering with an HSA, especially if your both relatively healthy. You can still get preventative checkups and stuff for free and you can use your HSA dollars pre-tax to hit your deductible, if you ever need to.


Since I hardly ever go to the doctor, I just use the HSA as a savings vehicle. Unless I hit my deductible multiple years in a row, the numbers work out better.