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/CrankyCrabbyCrunchy Apr 04 '25
" We do not qualify for Medicare because we make to much"
You meant to say "Medicaid" not Medicare (for age 65+).
It's pretty bad that her employer is not upfront about their healthcare benefits. That's very odd. If she's working PT (by their definition), it's easy for them to exclude her from benefits. You said she makes $72K/year so I assume she's not hourly and she works 40+ hours/week. She is definitely FT employee. Did they consider her a 1099 employee? If yes, then they're illegally identifying her as a contractor/freelance. Does her paycheck take our FICA/SS payroll taxes?
Child birth and after birth care can easily be 5 figures.
Have you checked healthcare.gov for ACA plans?