Quote:
Originally Posted by Mosaud1998
Yeah, if I keep the insurance for 3 months and make over $20k in 2024 (which I know I will), I'll have to pay about $1,100 back(the full plan price is $355.45 x the 3 months I used the plan). I still think it's a better deal to take the $21/month for 3 months than take the employer health insurance when I can enroll and cancel the marketplace insurance.
If I take the marketplace insurance at the $355.45/month, the deductible goes up from $0 to $4,400, I'll have to pay for labs, etc. At the $21/month, I don't have to pay for Jack.
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Makes sense unless somehow the government claws back the subsidized deductible / OOP from Blue Cross who comes after you for it and / or there is a penalty. Hard to expect the government is that efficient so you’ll probably be fine with what you’re doing. Let us know how it turns out next year after tax time. Seems like a loophole.