Husband taking a job in another state - health insurance?

Husband taking a job in another state - health insurance?
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#1

I work part time and do not qualify for health insurance so I am on my husbands plan along with our 17yr old son.
Husband was offered an out of state job and I would stay in our own state until we can sell the house, get son settled, approx 1 yr or so.
I have questions about health insurance. I can’t be on his new out of state plan because it can’t cross state lines, but if I went on the exchange to get health insurance , would I have to clain the income my husband will make in another state? We wouldnt qualify for the exchange then.
So what do you do for insurance? My older son may move in with me and my younger son and start paying rent, he has health insurance, can he add me on his plan and I pay him my part of the premium ?


#2

Hi, @mamasan.k, and welcome to the community. My understanding is that your joint income would be used to determine subsidies, and I don’t think there’s an exception for situations like yours. But I’m not an ACA expert, so you might want to check with your state’s insurance exchange or track down a broker who sells health insurance policies.

Most health insurance limits wouldn’t allow a parent to be added; dependents are typically only spouses or children. There are some exceptions, though, so it doesn’t hurt to ask.

If your husband is still negotiating the job offer, he could ask for a stipend that would cover insurance for you and your 17-year-old for the year. You also may want to consider a high deductible policy, since that would reduce your monthly premium (although you would want to have a similar amount in savings so that you not cut short).

I’m also wondering whether COBRA coverage might be an option. That would require your family to pay the full premium, but it would last for 18 months, or more than long enough to tide you over. But I would definitely talk to the prospective employer’s HR department first.

Here’s a way to start shopping for policies, so you have some idea of the costs to expect.