/r “If you have a job, your insurer will provide a paycheck to you,” explains Andrew D. Brown, a professor at the University of Michigan Law School and former director of the National Consumer Law Center.
If you’re not eligible for coverage, “you’re going to have to make up some of the cost,” which means you’ll likely be required to pay extra to get insurance.
And if you do, you’ll probably pay a higher premium.
“You’re going, ‘Oh, I can’t afford that!'”
“And then you’re going back to the broker, and they’ll say, ‘Okay, you’re under the cap.’
So that’s not necessarily the best choice.”
It’s a situation you can expect to face if you’re a young, healthy person who’s had an injury or illness and has not gotten a job yet, Brown says, noting that the risk of a catastrophic event increases for those who are.
The Affordable Care Act has expanded coverage to millions of Americans, but many of those who had employer-provided coverage had to pay more out of pocket because of rising premiums.
The cost of covering your loved ones depends on where you live.
The health care law requires that people with pre-existing conditions be treated like everyone else, meaning they have to be covered for their out-of-pocket expenses.
In some states, however, the government does not pay for the cost of pre-existing conditions, such as mental health conditions.
For some, this can be difficult.
“The problem is, most people who have pre-conditions don’t have any kind of medical conditions that might cause them to have a serious problem,” says Brown.
“There’s no reason why the government should be subsidizing a person with a medical condition for the health care that they may need.”
If you do have a pre-condition, the costs of medical care will probably be higher than you might expect, and you may be eligible for a discount.
Some insurance companies also charge you extra to cover your costs.
This is known as a “premium,” and it’s calculated by adding up the premium you pay for your coverage, as well as your out- of-pocket costs.
Some people may qualify for a subsidy, but the government will usually pay a small portion of that cost, typically about $300 to $600 a year, according to Brown.
If your plan offers a rebate program, you can qualify for this as well.
If the plan doesn’t, you may qualify as a small employer.
The law requires small employers to offer health insurance to their workers, but there are exceptions to this rule, so you can still pay your own premium, even if your employer doesn’t offer coverage.
Brown says it’s best to take advantage of a discount plan, and he recommends you take the minimum wage to get your premiums paid, even though it’s technically free.
If there are other benefits to having health insurance, Brown recommends getting a job.
“I don’t think it’s a good idea to have health insurance if you don’t plan to work for a long period of time,” he says.
If insurance is the only way you can keep your job, Brown suggests looking into a job with a smaller company.
But if you have other options, Brown cautions that employers shouldn’t be too quick to drop you because you have pre