I have a case study here. I am considering how to best help this young family with planning for OOP's.
Recently married, so SEP for 4/1/15. That gets the husband covered. I say family because the wedding date was moved up due to a surprise. The baby will be born late fall. Wife doesn't need coverage now, as still on parent's health insurance for much less than adding her on to policy with spouse.
They don't qualify, it seems, for much of a subsidy, but if either one of them has fewer work hours, they would. I want them to be set up for that.
Given their lack of savings, I believe having a
Recently married, so SEP for 4/1/15. That gets the husband covered. I say family because the wedding date was moved up due to a surprise. The baby will be born late fall. Wife doesn't need coverage now, as still on parent's health insurance for much less than adding her on to policy with spouse.
They don't qualify, it seems, for much of a subsidy, but if either one of them has fewer work hours, they would. I want them to be set up for that.
Given their lack of savings, I believe having a
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