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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Can't Afford Our Health Insurance

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Question: My husband and I are both self employed. We pay $2200.00 out of our pocket for health insurance. It is breaking us. I have a number of pre-existing conditions. Please what are our option. We are going to have to drop our insurance because we can no longer afford to pay the premiums.

Answer: I hope to answer your heartfelt plea with some actionable advice. I’m not sure I can, but I’ll give it a shot anyway. The first move is to talk to your insurance company about another plan with a lower premium. But if $2200 per month for 2 people is the lowest you can get it, I’ll take your word for it, you “can no longer afford to pay the premiums”. If that is truly the case, here’s an option (I would not recommend this except in extreme circumstances). You will have to go without health insurance for 6 months, so stock up on prescription drugs and get any necessary medical care out of the way before you quit. It will cost you a lot less than currently and it’s adequate coverage. If you can’t afford to get both you and your husband covered, the person with the highest health risks or most expensive prescription drugs drugs should get covered first. In January 2014, you will be able to buy Obamacare at the same price as everybody else and probably get a federal subsidy to help pay the premium. I wish you the best of uck.

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