Kaywin 2 points 3y ago
I've really come to appreciate the insurance aspect in the past several months.
I've had a bit of experience navigating the insurance market -
Had my parents' insurance until I was 26, in 2018; insurance from my University 2010-2014 and for all of 2018; went on Medi-Cal (my state's version of Medicaid) in January 2019; became eligible for Starbucks' insurance in August 2019, and helped my partner pick ACA/marketplace insurance in January 2020.
Depending on your particular medical situation, different insurances will help or hurt you differently in terms of access to healthcare. Long story short, my parents' insurance was a high-deductible plan that didn't cover quite a bit of the medications I needed. My school insurance did cover them (Between that, copays, and premiums, it was a very good deal, aside from some bureaucratic red tape with choosing providers.) I lost eligibility for that when I graduated. Nowadays, my partner and I have comparable insurance plans, but Starbucks (I believe) subsidizes a good amount of the monthly payments for mine, and my partner's insurance costs about twice what mine does in a month. If not for tax credits (another opaque part of insurance,) hers would cost 4x as much as mine each month. Helping my partner navigate buying insurance made me realize just how good I have it through Starbucks' insurance offerings.