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We’re a household of three. I misplaced my job earlier this month, and our medical insurance will expire by the top of it. Happily, my employer’s providing two further months of COBRA premium protection, which I am going to settle for. However by the top of February 2024, I am going to doubtless lose my sponsored medical insurance.
I work in accounting, and discovering a brand new job may take a bit. My partner can also be re-entering the job market after being a homemaker for a few years, which could additionally take a while.
Financially, we’re secure with sufficient financial savings to cowl bills for a 12 months or extra (along with retirement accounts). I am pondering of switching to Obamacare earlier than February fifteenth and dropping COBRA, because it will not be sponsored anymore.
For earnings estimation on healthcare.gov, I can venture my 2024 earnings assuming I safe a job that 12 months, however I will not have stable proof in the event that they ask.
What’s the perfect transfer right here? Ought to I discover Medicaid first? And in that case, when’s the optimum time to use? Or ought to I’m going with healthcare.gov even with out concrete proof of my estimated future earnings?
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