So long story short: I’m a 25F that works at a part-time job for a very small local shop. I love my job and what I do, but my job doesn’t offer insurance (even for full time). I make roughly $21K a year, live in Pennsylvania, and am currently on my parent’s insurance until June 22nd of 2026.
I also need a very specific type of birth control called YAZ. Has to be name brand (VERY long story there).
I’m currently on United Healthcare with about a $10,000 deductible for 3 people? Which is absolutely insane, btw.
So here’s what I’ve tried so far:
1- Finding another job: very hard near Philly. A lot of places are just offering money towards current insurance rather than providing
2- Pennie.com (most reliable rn). I’m stuck in the verification stage as of now, and also am worried about switching plans and messing my current BC prescription up (last refill in June I believe).
3- Googling stuff myself, which has led to so. many. spam. calls. And tons of never-ending text messages. I can’t tell who’s a real agent or just advertisers.
I have basically crippling anxiety and OCD (waiting to figure out insurance before therapy as well…) and I am having the worst panic attacks about this. I need my birth control to help with my medical issues. I need coverage in case something happens at work (extremely likely). What can I do??? Someone walk me through this like I’m a five year old.
I’m trying to shop for health insurance on my own and it’s giving me extreme anxiety.
byu/Beanfox-101 inInsurance
Posted by Beanfox-101
1 Comment
use pennie. find a plan with premiums (monthly payments) you can afford. make sure it covers your necessary meds (this should be part of the search). as far as the insurance terms go, deductible is the amount you pay before your insurance helps out. coinsurance is where you pay a portion and your insurance pays a portion, usually 80% insurance, 20% you. maximum out-of-pocket is the most you pay per year in deductible and coinsurance every year, not counting premiums.