I am again looking for solutions for health insurance, and want to know if this issue has been resolved. I have good healthcare through my job, but it is cost prohibitive to add my family to my plan. My wife works as a contractor and we have a young child. Based on our income, we would be eligible for a subsidy for marketplace coverage, but it asks you if you have "affordable" health care through an employer. The marketplace staff had no idea what I was talking about, so I figured you guys would probably know more.
Some numbers: We gross around 80k a year. I pay <200$/month for my coverage, but the cost would jump to 1200$ a month to add my family. It looks like I can add a marketplace plan for both my wife and daughter for around 750$ a month, but with a huge deductible.
Also, open enrollment for my job is September. If I choose a marketplace plan can I just cancel it early next year? Or do you have to pay it for the full year?
Thanks.
