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I have a girlfriend, she is not working, but in college at the moment. We live together, but are unmarried and have no kids. I have a considerable income of about $60k annually.

We tried Medicaid, but it's been over 3 months and she has so far she has not been granted any.

How can I get health insurance for her, as I am tired of her keep putting off not getting health issues checked out because of lack of insurance?

Brythan
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4 Answers4

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She should check with her school. They may offer low cost insurance coverage. I had an ex who years ago got her insurance through her college. I don't remember if it covered the year or the semester, but I remember being surprised how cheap it was (pre-ACA).

If you're in New York, check the New York State of Health website, as you can apply through there for state sponsored plans (may be subject to enrollment periods, but domestic partnership may be a qualifying life event not sure).

If you are living together but unmarried, check with your employer to see if they offer domestic partner coverage.

If so, it will typically cost the same as if you were married, or it will be double the single person cost. However, the value of the insurance plan for her will be considered so compensation to you, not a benefit, so it will show up as imputed income and you will pay tax on that amount.

You would have to show some proof of domestic partnership (proof of address, shared expenses, etc.).

briantist
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Coverage under the Affordable Care Act can only be obtained during the Open Enrollment Period, which next starts November 1st, 2018. There are a few exceptions to this, though, such as getting married or having a baby, which would automatically make her eligible for a short period after the Qualifying Life Event occurs. You can read more about the options on HealthCare.gov, or check your state's local health care system (the HealthCare.gov site can direct you to your state's local health care system). As a special note, if your girlfriend moves in with you, and it's been less than 60 days, and her ZIP code or county changed as a result of this, that is an eligible event to get her enrolled now.

phyrfox
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You are asking the wrong question.

Health insurance is not required to get treatment, it helps manage the cost.

The correct question is "Where can my girlfriend get general health care and checkups for amount we can afford?"

The answer is to check healthcare.gov for How to find low-cost health care in your community

James Jenkins
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As you have mentioned the university in a previous comment, I was able to find 2 resources that should help:

Their wellness center

a health insurance agency affiliated with the university

SeanC
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