Health Insurance for Incoming Associates Forum
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Anonymous posting is only appropriate when you are revealing sensitive employment related information about a firm, job, etc. You may anonymously respond on topic to these threads. Unacceptable uses include: harassing another user, joking around, testing the feature, or other things that are more appropriate in the lounge.
Failure to follow these rules will get you outed, warned, or banned.
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- Posts: 428107
- Joined: Tue Aug 11, 2009 9:32 am
Health Insurance for Incoming Associates
So, I just reached out to my firm to respond to a quick admin email they sent. I asked when our health insurance kicks in, because we start in mid-September. Turns out we don't have insurance until October 1. I am sure this isn't a huge deal for people who are under 26, but for those of us that are...it sucks. It means that I have to buy a health exchange 1 month policy. Blergh. I wish our stipend were bigger to cover this. It's not something I had budgeted for. I am an old, and all the places I've ever worked at...health coverage on day 1, always.
Anyone else in this same boat?
Anyone else in this same boat?
- UnfrozenCaveman
- Posts: 474
- Joined: Thu Mar 21, 2013 10:06 pm
Re: Health Insurance for Incoming Associates
I don't think you do. You get 3 consecutive months under the ACA without penalty.
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- Posts: 417
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Re: Health Insurance for Incoming Associates
If covered under law school health insurance program, just get a continuation of coverage through that provider for the the 4-5 months? I'm not sure how that works myself but I feel like I have heard of people that did it.
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- Posts: 686
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Re: Health Insurance for Incoming Associates
Assuming you have some coverage now (or that you are uncovered but your coverage ran through June), you don't have to buy insurance. ACA allows you to go up to three months without insurance with no penalty.
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- Joined: Thu Nov 03, 2011 1:12 pm
Re: Health Insurance for Incoming Associates
You can buy a short term catastrophic type policy (not ACA compliant ) for $50-$70 per month. I have used Priority Health but other insurance companies sell them. This protects you from financial disaster for low cost, but doesn't cover routine care.
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- thewaterlanding
- Posts: 86
- Joined: Thu Feb 02, 2012 12:15 pm
Re: Health Insurance for Incoming Associates
Or you can find an insurance broker in the town you will be in to find a short term policy that covers routine care. I did this for my wife and it cost 150 a month.
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Re: Health Insurance for Incoming Associates
Get on welfare? That's what I did. Turned 26 halfway through 3L, no school insurance, and more than 3 month gap between starting work.