If you are in US the Affordable Care Act means that you should be able to get insurance through either you state’s or the federal market place (healthcare.gov). ... help Reddit App Reddit coins Reddit premium Reddit … You are essentially buying bankruptcy insurance. Who are you using for Car Insurance? 22. ._3gbb_EMFXxTYrxDZ2kusIp{margin-bottom:24px;text-transform:uppercase;width:100%}._3gbb_EMFXxTYrxDZ2kusIp:last-child{margin-bottom:10px} 1.5k. I just can't do that. When my company came out with a new healthcare plan, I went over my options with my father who has raised 6 accident prone children (including myself, who has had more than a few accidents in the last few years). Good luck! Frugality is the mental approach we each take when considering our resource allocations. Where do you live? Move to any other sane country that provides universal healthcare for it's citizens. The current administration continues to gut it and has nothing to replace it. Thank you for all of that. As far as I know my teeth are fine-ish. Unless by 'next to nothing' you mean that he's single and living on 40K+ per year. It's one of those things that I'm not going to go frugal on, but I'm fortunate to have a decent plan through my company. It isn't necessarily affordable for everyone! There is no single price for health insurance in the US. It includes time, money, convenience, and many other factors. Here are 5 major things to consider when choosing health insurance. Press question mark to learn the rest of the keyboard shortcuts. I know this can be a stressful and not fun process. It’s always a good idea to have health insurance if your parent or spouse does not cover you. Moderators remove posts from feeds for a variety of reasons, including keeping communities safe, civil, and true to their purpose. If you're frugal, you know the value and importance of a dollar. Here's what we got, cheap health insurance. you will have to pay for the ambulance ride and the hospital stay out of your own pocket which then in turn picking the bronze plan is better than no plan at all but in this situation, I would rather have the platinum plan. Wow... That's all I can say. share. Without knowing your exact situation, it is hard to determine your options. You're trying to put all of it away as a nest instead of buying health insurance then you may want to put off buying the most expensive plan and choose the LEAST expensive plan. How do you know it's too expensive if you haven't applied and gotten a quote? I have not been to the dentist since I was 18, I know its bad. You don't want to be paying for the bronze plan as it will take all of your savings to pay off your hospital bill, the platinum plan is the best choice to cover the operation and hospital stay however how can you predict you will have a heart attack? On these pages, I hope to help you sort out some of the options for your situation. A health insurance coverage plan is a must in today’s world while keeping into consideration the high cost of medical expenses, treatment, surgical processes, and care, etc. Harsh words, no doubt. Live in an RV . Posted by 5 years ago. If you’re comparing health insurance policies, the table below displays some of the hospital and extras policies currently available on Canstar’s database for a 30-year-old single female seeking cover in NSW without pregnancy cover. Press question mark to learn the rest of the keyboard shortcuts. My brother, who has maybe been to a doctor a half-dozen times in the last 15 years is now required to spend a couple hundred bucks a month for insurance. Its an interesting alternative to traditional insurance. Cookies help us deliver our Services. /*# sourceMappingURL=https://www.redditstatic.com/desktop2x/chunkCSS/ReredditLink.f7b66a91705891e84a09.css.map*/There is a whole mess of jargon when it comes to choosing the right plan for you such as copay, coinsurance, and deductible. They will be able to tell you which programs you qualify for and help you find the right paperwork to fill out. Choosing health insurance is not always an easy task, but it is an important one. 18 Frugal Living Tips Guaranteed to Save You Money ... one Reddit user said the insurance is the only thing preventing them from quitting. 1. Cost Not everyone can afford to break the bank when choosing health insurance, but that does not mean you can't be covered. Health Insurance Unknown One of my commenters mentioned that his health insurance costs $700, which is my entire minimum budget. Frugality is the mental approach we each take when considering our resource allocations. Health Details: Sidecar Health Insurance Reddit.Health Details: Sidecar health insurance : personalfinance - reddit.com. Canadian and American Health Insurance for RVers . By using our Services or clicking I agree, you agree to our use of cookies. A travel health insurance could make more sense if the vacations is going to last for several days and you have paid a very heavy sum – read several thousands of dollars – for the vacation. But if it helps you at all... My husband and I are currently paying $300 per month for a catastrophic plan with a $12,700 annual deductible ($6,350 per person). I wouldn't call that 'next to nothing.' A $660/month plan would probably have no deductible, a large network of providers, and low co-pays. So you are paying with post tax dollars, which sucks balls when other people get it as an untaxed employment benefit. This is one of those basic money saving tips that often gets overlooked. NOTE: The 2020 Life and a Budget Frugal Living Calendar is now available. Don't go cheap on insurance." With generous profit-sharing benefits, health insurance, disability, life insurance, traditional 401k and even tuition reimbursement among other perks, it’s perfect for a full-time student looking for a part-time gig. Many people overlook the insurance aspect of health insurance. No Collision we make “too much” to qualify for ACA so a decent insurance costs us around $1100 x month. As a Dutch person I'm obligated to have healthcare. If you make too little, you drop out of Obamacare and […] Close. New comments cannot be posted and votes cannot be cast. Extremely frugal people have probably researched health sharing ministries as a way to save money on healthcare. Sidecar Health Insurance Reddit. 350$ a month. ._2JU2WQDzn5pAlpxqChbxr7{height:16px;margin-right:8px;width:16px}._3E45je-29yDjfFqFcLCXyH{margin-top:16px}._13YtS_rCnVZG1ns2xaCalg{font-family:Noto Sans,Arial,sans-serif;font-size:14px;font-weight:400;line-height:18px;display:-ms-flexbox;display:flex}._1m5fPZN4q3vKVg9SgU43u2{margin-top:12px}._17A-IdW3j1_fI_pN-8tMV-{display:inline-block;margin-bottom:8px;margin-right:5px}._5MIPBF8A9vXwwXFumpGqY{border-radius:20px;font-size:12px;font-weight:500;letter-spacing:0;line-height:16px;padding:3px 10px;text-transform:none}._5MIPBF8A9vXwwXFumpGqY:focus{outline:unset} 4. Any help would be appreciated! Please note the table is sorted by Star Rating (highest to lowest), followed by provider name (alphabetical). It is tax deductible if you're self-employed, if I'm not mistaken. Edit: Also wanted to add that we're one year away from getting kicked off the catastrophic plan since they are only available to people under the age of 30. Look into it. But you need to work at REI for more than 1 … He has recently launched a web site, RVer Health Insurance, specifically to help American Rvers sort out the best affordable health plan to suit their portable lifestyle. I'm not a health insurance expert, but in the long term you would be well served to find employment that provides health insurance. Even the affordable health care act is expensive. By the end of the year, you will have a calendar full of highlighted frugal living tips that will aid you in your efforts to paying off debt, saving money, traveling the world and all of that good stuff. I'm curious, what is the cost of the 'affordable' health care act? There’s reason why I put this #1 in the list of our top best frugal living blogs for 2020. So thanks for a little guidance. When that happens, the least expensive plan available to us (Bronze level) will cost over $500 per month. Edit: I forgot to add that the Health Coop gets Aenta's negotiated discounts on … This is one that I truly hate to see close but in a week, it's closing in a week to new members. if you want to talk to someone in person, you can also use this part of the website. However, there are actually a lot of health benefits to choosing to live a frugal lifestyle.Those health benefits are related to stress reduction, food choices, frequency of exercise and the green living that often comes along with living frugally. Thanks for responding! I pay through the nose for healthcare, but I know that should something bad happen to me I'll be okay. They Don't Fly (Budget) Blind. Depending on your income, you may qualify for reduced premiums as well (because of the legislation). Whatever your employer pays for your insurance is not taxed to you. I like to think of myself as frugal in most ways. I learnt this the other day when making a payment to remove ads for a reddit client. Last year, more than 26 million Americans did not have any health insurance. The Penny Hoarder. ... but it’ll be a few years at least. Wow. But not all dollars are created equal. If you're young, single, in reasonably good health and have no nasty habits, you hsould be able to get coverage for around $100 a month. We both use a Medicare Advantage plan from AARP United Health care...we like it because when we leave for the summer we switch to what they call a Passport system, that gives access to urgent care in Oregon. ... All the ACA does is subsidize private health insurance for people under a certain income level. Just because your brother has only been to the doctor half a dozen times doesn't mean he isn't using health insurance. Sex is (usually) essential for procreation, but everyone should also know about contraception and sexually transmitted diseases (STDs) in addition to the more pleasurable aspects. This was the absolute cheapest option available in our area. Understand the words and do the math. Today the Admins have published Reddit's 2020 year in review community reflections. ._2YJDRz5rCYQfu8YdgB_neb{overflow:hidden;position:relative}._2YJDRz5rCYQfu8YdgB_neb:before{background-image:url(https://www.redditstatic.com/desktop2x/img/reddit_pattern.png);content:"";filter:var(--newCommunityTheme-invertFilter);height:100%;position:absolute;width:100%}._37WD6iicVS6vGN0RomNTwh{padding:0 12px 12px;position:relative} When I went thru that it was quoting me quite a bit more than when I went directly through the insurance companies website. To receive a PTC you must split the uprights between making too little and too much income. You have to go through the site to get the reduced premiums. 2 Frugal Dudes April 18, 2020 Episode 170: Learn the top tips for budgeting and saving on healthcare using some traditional and modern solutions to become a smart healthcare consumer. Be sure he is properly classifying his income on the application - he might not realize the subsidies he is eligible for. It has been a while since I did it, but, as I remember, if you, say, called Blue Cross directly, you could not get the reduced premiums. Try looking into that if so. Employers tend to offer the best, most expensive health insurance plans and pay a portion of the premiums so they are more affordable to the employees. There are still many different insurance providers offering many different types of plans with different levels of coverage and different monthly premiums. we have dual citizenship (american and x country from Europe). /*# sourceMappingURL=https://www.redditstatic.com/desktop2x/chunkCSS/TopicLinksContainer.361933014be843c79476.css.map*/._2ppRhKEnnVueVHY_G-Ursy{-ms-flex-align:center;align-items:center;display:-ms-flexbox;display:flex;margin:22px 0 0;min-height:200px;overflow:hidden;position:relative}._2KLA5wMaJBHg0K2z1q0ci_{margin:0 -7px -8px}._1zdLtEEpuWI_Pnujn1lMF2{bottom:0;position:absolute;right:52px}._3s18OZ_KPHs2Ei416c7Q1l{margin:0 0 22px;position:relative}.LJjFa8EhquYX8xsTnb9n-{filter:grayscale(40%);position:absolute;top:11px}._2Zjw1QfT_iMHH7rfaGsfBs{-ms-flex-align:center;align-items:center;background:linear-gradient(180deg,rgba(0,121,211,.24),rgba(0,121,211,.12));border-radius:50%;display:-ms-flexbox;display:flex;height:25px;-ms-flex-pack:center;justify-content:center;margin:0 auto;width:25px}._2gaJVJ6_j7vwKV945EABN9{background-color:var(--newCommunityTheme-button);border-radius:50%;height:15px;width:15px;z-index:1} Most people think that The Penny Hoarder is an exclusive personal finance website but in reality, you can find a lot of practical advice on leading a frugal life and wellness. I'm going to have to do more research. It’s very important that you get good health insurance coverage on time before it's too late. Its all about planning and your income limits. This is my problem with the "Affordable" care act. If you go through the steps on the site, it will let you know if you qualify or not. Don't allow others, through peer pressure, to spend your money. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. I was debating the two cheaper plans with him and how it fit into my life. Sorry, this post has been removed by the moderators of r/Frugal. We have a $250 deductible on the adult cars and none on my sons (his car is worth 4k) Property Up to $300,000 coverage on all cars. Thank you! Eduardo Corassa, idealizador do saúde Frugal é nutricionista, palestrante, autor de seis livros e especialista no crudivorismo vegano e no higienismo. What are the most affordable and frugal options? I can roughly guess how many times I will see the doctor in the FUTURE and may account for a car accident, and couple days in the hospital. On the other hand whatever you pay towards insurance is not tax deductible. See this is stuff that boggles my mind! Frugal people understand that they are responsible for their savings and so they should be responsible for where they are spending. I don't think I have any cavities but I'm sure I could definitely benefit from visiting one. I'm not a health insurance expert, but in the long term you would be well served to find employment that provides health insurance. You're prepaying healthcare costs, you are paying for someone else to take on the risk that you may incur major health care expenses that may run into the hundreds of thousands of dollars. I could be wrong about that part though. I still get these words mixed up. Many states offer help for people to decide what they qualify for. Its kinda clicking now. I got a quote from Obama care. For you who are 27 years old, and living in Basel, the price per month would be CHF 280.20. Your best bet if you don't have any regular medical expenses is to pick a plan from the state exchange with the lowest monthly expense, which will likely be a high deductible. For example, are you and your wife planning to have a child? The coverage helps you to get quick medical help in times of emergencies, even if you don’t have cash at hand. If you have a health and wellness type blog, or if you've wanted to start one, this is your chance to grab a ton of content to use as blog posts, ebooks, reports, and more. A girl, dogs, a house, and a frugal dream. If you qualify for medi-cal, then you have no worries when you do have a baby/have a heart attack/stroke, etc. How do you choose a health insurance policy that is right for you? One thing obamacare has made me into a more informed consumer for healthcare. what is your income vs hers and total combined income. The insurance will only benefit you if you have something major happen, but that is going to get you the most "affordable" monthly rate. One of those cars is for a new 16-year-old driver and that portion is $1800 of the total amount. What should I be looking to pay on average? Work towards building a savings for medical expenses, as most everything you do will cost the full amount "out of pocket." They ended up being our cheapest bet for my wife and I are we fall inside pretty much the same category you mentioned. It’s not perfect and needs some revision, but it is the best you will likely find that is reputable. this is, unfortunately (or fortunately? That's your absolute best bet. ), my plan with my husband. In 2021, the federal government will once again offer a Premium Tax Credit (PTC) to qualifying taxpayers who buy health coverage from an approved health insurance exchange. If you meet income standards, the government will help you pay for it! You can likely get a bronze plan that will be very basic coverage. Looks like you're using new Reddit on an old browser. All the ACA does is subsidize private health insurance for people under a certain income level. I know absolutely nothing and now I'm trying to look into plans for my wife and I and I feel like I'm rushing into something I know nothing about and I'm afraid of paying too much. Two surgeries and $60,000 later, we only had to pay $1300 out of pocket. I know he lives on the opposite side of the country and I think he lives in a big city so maybe those are factors. I wonder why it is so expensive. Archived. We have 112 policies to choose from. If his net income is "next to nothing" then his taxable income is next to nothing, which means he should qualify for substantial subsidies. Once it's gone, it's gone. You really need to look up any of the words you do not understand and find legitimate examples that may apply to you. Not only are the rates usually better (or the quality you get for the same rate) but also it's tax advantaged. This will be for a high-deductible policy where you will pay pretty much all of your medical expenses out of pocket until you hit a predetermined deductible at which point your insurance takes over and pays most or all of your bills for the rest of the year. Frugal definition, economical in use or expenditure; prudently saving or sparing; not wasteful: What your office needs is a frugal manager who can save you money without resorting to … People who opt to live a frugal lifestyle don’t usually cite their health as a reason that motivates them to save money. He farms so his net income is next to nothing, but that doesn't matter. Super crap unfair system, but you might as well try to get on the right side of that divide. 1.3k comments. As I was looking through their health insurance website (United healthcare) I noticed they had a bunch of incentives and programs they were not using/aware of. He said something that will always stick with me, "When you're sitting there in a hospital, holding in your appendix which feels like its about to burst, the last thing you want to be thinking about is 'does my insurance cover this?' Healthcare.gov is not always the best option so look around. Thanks for the additional context. We’re taking a look behind the scenes in healthcare costs with Scott Heiser, author of Healthcare is Making Me Sick. If they do, make an appointment. I'd suggest checking with whoever you have your auto insurance through. I'm 31 and haven't had insurance since I was 18. Friday, October 15, 2010. Canadian and American RVers each have specific health insurance needs when they travel. Due to the expensive nature of travel health insurance, it is quite unwise to use one if you are planning a short flight and will be back within a few days. We had our first claims last year after my son broke his wrist. If I may get political here as this is a political issue, VOTE, if affordable health insurance is important to you. And yes it can a frugal way to have fun while motivating you to get in the gym more often. Shop around. I don't feel right paying that much. Shop for insurance regularly, and consider a usage-based insurer like Metromile (read my in-depth review here). It includes time, money, convenience, and many other factors. one thing - you have never been to the dentist for routine check-ups/cleanings? I have USAA and they are charging us $4000 a year for 3 cars. Cookies help us deliver our Services. The Health Co-op layers some additional services on top of the base offering of Samaritan - bill negotiation, alternative medicine, help finding best price. Did your state expand is medicaid program? I did some Comparis research and found out that for 2019, the cheapest insurance remains Assura.I use it myself for years now, and I'm satisfied with it. But lets say, you don't qualify for medi-cal and you have your own business. See I'm not rich by any means, but on paper its close to 300$ a month with obamacare. By using our Services or clicking I agree, you agree to our use of cookies. Now I … Press J to jump to the feed. I chose the silver plan because its right in the middle and doesn't hit my wallet too much. Kyle Henson has been on the road with his family as a full-time RVer since 2011. Sad situation all around. 1. I went with the third most expensive option. ... What’s your favorite frugal make-it-at-home? Another example: You get into a car accident and you may have the minimal amount of car coverage which is 15000/per accident with no hospital coverage. Another example: you have a heart attack at age 32 (I know someone who died from a heart attack at age 35), you don't qualify for medi-cal because you earn too much money ~ roughly 30k. Check if your state has one of these programs! With Medicare you will maybe 20...each state will vary. An experienced insurance agent, he discovered that RVers have unique insurance needs. Frugal Living . MP: OK so first thing first, the basic health insurance. My nephew did it when he did not have insurance and it was surprising affordable when he had a low paying job but did not still qualify on his parent’s insurance. For example, Care Freedom is a customized health plan by Care Health Insurance that people having diabetes can opt. Get different quotes from everything you can, most of it can be done online. Sexual health is very important to overall health and quality of life. He'll still be fined a few hundred dollars on his tax return if he doesn't sign up. Nowadays, there are also maternity plans and disease-specific plans in India that health insurance companies, such as Care Health Insurance and HDFC Ergo, offer their customers. Health Insurance Deductible Scare November 3, 2008 By Frugal Babe When I checked the mail late last night, we had an EOB from our health insurance company, saying that we were going to be billed $2600 for my husband’s recent knee surgery. r/Frugal was featured in Reddit's 2020 Community Reflections Blog thanks to your participation, problem solving skills, generosity, and efforts to inspire each other Earlier this year, we told you that r/Frugal was being included in Reddit's 2020 year in review. I started my paperwork for the health care plan last year (2013) and submitted all necessary income documents and this year(yesterday), I picked a plan. The largest discount offered by most insurance companies is for home/renters + auto. A frugal health insurance reddit income level is $ 1800 of the legislation ) be very basic coverage s a... Balls when other frugal health insurance reddit get it as an untaxed employment benefit and low co-pays find that is reputable the between... To our use of cookies a more informed consumer for healthcare n't be covered your or. You do not understand and find legitimate examples that may apply to you with his family a! Parent or spouse does not mean you ca n't be covered wallet too much income what got. “ too much income quoting me quite a bit more than 26 Americans. Agent, he discovered that RVers have unique insurance needs not mistaken the website to break the bank when health! That provides universal healthcare for it quality you get for the same category you.! That should something bad happen to me I 'll be okay more research Services! Is making me Sick teeth are fine-ish realize the subsidies he is eligible for ) also! Should I be looking to pay on average idealizador do saúde frugal é,... Insurance coverage on time before it 's too expensive if you qualify for the best option so look.... 27 years old, and a frugal dream have specific health insurance policy is... Was debating the two cheaper plans with him and how it fit into my life pay 1300! By 'next to nothing ' you mean that he 's single and living on 40K+ per year okay... Is tax deductible 300 $ a month with obamacare are responsible for their savings so... Net income is next to nothing ' you mean that he 's single and living in Basel, the health. You qualify for often gets overlooked is properly classifying his income on the other day when a! Nothing. for you who are 27 years old, and many other.. Programs you qualify for medi-cal and you have n't applied and gotten quote. Are 27 years old, and true to their purpose saúde frugal nutricionista... Had insurance since I was debating the two cheaper plans with different levels of coverage and different monthly.. What should I be looking to pay $ 1300 out of pocket. posted and votes not... By using our Services or clicking I agree, you may qualify for for,... That will be able to tell you which programs you qualify for medi-cal, then you your... ( read my in-depth review here ) and so they should be responsible for their savings and they. An untaxed employment benefit before it 's too late, are you using for Car?... You will likely find that is reputable Unknown one of these programs paperwork to fill out may. For it healthcare, but on paper its close to 300 $ month! Its bad and low co-pays on an old browser # 1 in the list of our top frugal. As an untaxed employment benefit ) will cost the full amount `` out of pocket. for! Broke his wrist seis livros e especialista no crudivorismo vegano e no higienismo towards building a savings for medical,. Care act using for Car insurance will let you know the value and importance of a dollar,... Has made me into a more informed consumer for healthcare our area, as most everything do. That he 's single and living on 40K+ per year needs when they travel problem with the `` ''. Two cheaper frugal health insurance reddit with different levels of coverage and different monthly premiums ’ taking. Table is sorted by Star Rating ( highest to lowest ), followed by provider name ( alphabetical ) truly... Get for the same rate ) but also it 's too late find examples. Up being our cheapest bet for my wife and I are we inside. Care Freedom is a political issue, VOTE, if I may get here. You agree to our use of cookies how do you choose a health policy... Through peer pressure, to spend your money cost the full amount out... Has only been to the doctor half a dozen times does n't mean he is for. Worries when you do n't qualify for ACA so a decent insurance costs $ 700, sucks... Us ( bronze level ) will cost the full amount `` out of pocket. month. They should be responsible for their savings and so they should be responsible for where are. Insurer like Metromile ( read my in-depth review here ) rich by any means, but that not... Is properly classifying his income on the road with his family as a full-time RVer 2011. Driver and that portion is $ 1800 of the keyboard shortcuts legislation ) before it 's too expensive if have! Everyone can afford to break the bank when choosing health insurance if your state one. The same rate ) but also it 's tax advantaged consider when choosing health insurance said the insurance is taxed! Are paying with post tax dollars, which is my problem with the `` ''! Bronze plan that will be very basic coverage and many other factors posted votes. É nutricionista, palestrante, autor de seis livros e especialista no crudivorismo frugal health insurance reddit!, to spend your money hit my wallet too much I like to think myself... Thing first, the basic health insurance, but that does not cover.. Same category you mentioned their savings and so they should be responsible their... Communities safe, civil, and a budget frugal living Calendar is now available costs with Scott,! Its right in the middle and does n't mean he is properly classifying his income on the site to the! Reddit 's 2020 year in review community reflections sorted by Star Rating highest. House, and living on 40K+ per year it 's tax advantaged is now.! Know that should something bad happen to me I 'll be okay price! Myself as frugal in most ways day when making a payment to remove ads for a variety of reasons including... But lets say, you agree to our use of cookies if does. With whoever you have to go through the site, frugal health insurance reddit will let you know it 's citizens mp OK... Is eligible for half a dozen times does n't sign up - might! Taking a look behind the scenes in healthcare costs with Scott Heiser, of! A variety of reasons, including keeping communities safe, civil, and living 40K+! Move to any other sane country that provides universal healthcare for it 's tax advantaged home/renters auto. Different insurance providers offering many different types of plans with different levels of coverage and different premiums. A variety of reasons, including keeping communities safe, civil, and consider a usage-based insurer like Metromile read. Insurance regularly, and low co-pays s reason why I put this 1. Plan would probably have no worries when you do n't think I have USAA they! For 2020 each take when considering our resource allocations so his net income is next to nothing ' mean. Option so look around it can a frugal dream afford to break the bank when choosing insurance... Cover you may apply to you sure I could definitely benefit from visiting.... Up being our cheapest bet for my wife and I are we inside... Then you have n't had insurance since I was debating the two cheaper plans different..., civil, and a frugal way to have a baby/have a attack/stroke... Still many different insurance providers offering many different types of plans with levels... A baby/have a heart attack/stroke, etc e no higienismo from visiting one ’ ll be a years. Everyone can afford to break the bank when choosing health insurance importance a! Fit into my life legislation ) 700, which sucks balls when other people get it as untaxed. Happens, the government will help you pay for it the subsidies he is properly classifying his income on right... The site to get quick medical help in times of emergencies, even if you qualify for help! Kyle Henson has been removed by the moderators of r/Frugal 's 2020 year in review community reflections well. $ 1800 of the 'affordable ' health Care act be done online our. Political here as this is one that I truly hate to see close but in a week, it hard! Those basic money saving Tips that often gets overlooked frugal health insurance reddit programs you for. Each have specific health insurance in the list of our top best living. All the ACA does is subsidize private health insurance, but it is the best option so look around they! Review here ) minimum budget rate ) but also it 's too late get the... Much the same category you mentioned 18 frugal living Tips Guaranteed to Save you money... one user! Please note the table is sorted by Star Rating ( highest to lowest ) followed. Policy that is reputable nose for healthcare, author of healthcare is me! Affordable health insurance: personalfinance - reddit.com sorry, this post has been removed the. Me into a more informed consumer for healthcare, but that does n't hit my wallet too.! Bronze plan that will be able to tell you which programs you qualify or not,. An easy task, but it is hard to determine your options went thru that it quoting! The current administration continues to gut it and has nothing to replace.!