r/HealthInsurance • u/Sam3325 • Apr 04 '25

Individual/Marketplace Insurance Wife is pregnant no insurance

Hello my wife is pregnant she’s due October 17th She started a new job last year where she has no benefits she makes $72k a year and I make 55k a year. She had insurance from her last job and I have insurance through my job. She was promised benefits but never an exact date so at the meantime I didn’t add her under my insurance thinking after the 90days they would give her the benefit package (big mistake) We’ll 2 month into her job she’s pregnant her job is yet to provide insurance they have said they don’t know when she will get benefits. She works 40-35 hours a week but on paper it says she’s part-time. We do not qualify for Medicare because we make to much just wanted to see is there any way she could get insurance or help? We do make enough but with all our bills and debt we don’t know if the hospital bill will be to much for us. Doctor visits isn’t a problem but knowing thousands of dollars could be billed to us scares us

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u/zombiesatemybaby Apr 04 '25

I’ve done it myself so speaking through experience

Then you had something that qualified as a QLE

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u/[deleted] Apr 04 '25

No I was paying for individual ins then I added my sons and was paying for family. I cut my hours and went off my work ins and applied for CDPHP and now that’s what I have so it had nothing to do with QLE.

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u/zombiesatemybaby Apr 04 '25

went off my work ins and applied for CDPHP

This is why...you changed insurances. Of course if you purchase new insurance you can change plans...OP can purchase new insurance independent of their job just like you did, but it can also be costly

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u/[deleted] Apr 04 '25

Not more costly then having a baby which is what he is worried about 🤷🏻‍♀️ he’s better off paying premiums than complete out of pocket costs for having a child

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u/zombiesatemybaby Apr 04 '25

Youre not wrong with this point, but you don't understand insurance enough to be giving advice and then be that confidently wrong when someone corrects your mistakes.