Anonymous asked: So, since you mentioned health insurance, I have a question. I have recently turned the ripe ol' age of 26, and am no longer accepted on my fathers plan. Yes, sadly, even w/ an advanced college degree I still live with my parentals and work retail because I cannot find a 'real' job that deals with my education, and I don't know if I can get health insurance through my work. If you were in my knickers, what would you do? PS your kitties are really cute!!
omg, aren’t they?! I just found out that Arnold is being adopted and will leave for his forever home tomorrow. He will be reunited with his brother, Benedict. He doesn’t know that yet, though. He’s napping peacefully.
First thing to do is find out if your employer offers health insurance. My bet is they don’t, especially if they haven’t said anything about it recently. Because this is the time of year when everybody and their mother is supposed to sign up.
Assuming they don’t, next thing is to go to https://www.healthcare.gov/ and play around with that. Eventually, you’ll have to actually sign up, and how hard that is depends on your state. If you’re in one of the crappy states with Republican governors who refuse to acknowledge the law, then it might be kind of dicey. You have to know things like your social security number and your annual or monthly income. (If you’re like me and your income varies, you have to just guess.)
Then you shop for plans. This is where you start to tear your hair out because of all the jargon and confusing shit, but the thing to remember is that there really aren’t that many choices. The way I see it, the choices are all based on your deductible. The deductible is how much you have to pay before your insurance kicks in. (Same thing with auto insurance.) The higher your deductible, the lower your premium (the amount you pay each month). Only, certain things are covered even before you reach your deductible, like annual lady parts exams and other preventive care.
So if you’re basically healthy and expect to stay that way, a high deductible plan is the way to go. If you have chronic health issues or something that you know costs a lot to treat, go for a lower deductible so the insurance will kick in earlier.
The exchange sorts plans as ‘bronze’, ‘silver’, and ‘gold’, and the bronze ones have the highest deductible, lowest premium.
Since you’re young and probably don’t make loads of money (I’m guessing, based on ‘retail’), you can probably get health insurance relatively cheap. Lucky.