I'm kind of in a spot, so I figure my best option about an important life decision is to ask random strangers on a video game board for thoughts.
I recently lost my job and with it, my insurance. I was lucky enough to land another job, but it's contract work through a hiring firm, so that's where I'm going to be for the next six months, barring anything unforeseen happening. The hiring firm offers insurance, but I will not be eligible until December. Due to various health issues I have (without getting into too much detail, mostly chronic lower back issues and what seems to be onset of arthritis,) I'm not sure I can go without insurance that long.
I'm looking at the Healthcare.gov marketplace to fill in the gap. I'm just not sure what kind of plan to go with or if it's even worth it for the three or so months I'd need it. There are levels, bronze, silver and gold, each with an inverse monthly cost to deductible/co-pay cost ratio. I'm not likely to hit a high deductible in this amount of time (hopefully) so a low cost/high deductible plan doesn't make sense. On the other hand, with a high cost/low deductible plan, I might be just as well off trying to work out cash payments for the time.
So, I guess I'm trying to figure out if this makes sense or if I'd be better off just trying to go out of pocket until the insurance picks up. As it stands, I have a few appointments I need to make, but I'm not sure what the costs are going to be. Maybe that's on me to find out. But if anyone has any thoughts or experience with the marketplace or whatever, post them here. Just curious to get a dialogue going.