Personal Finance Weekend Discussion and Victory Thread for the week of November 30, 2018 |
- Weekend Discussion and Victory Thread for the week of November 30, 2018
- Fellow Mint users: have you noticed a decline in Mint’s quality in recent months/years? (Desktop)
- Taking a 40% pay reduction for a less stressful more passionate job
- I did the £5 Challenge (UK)
- I thought I froze my credit but my new apartment did a hard inquiry on me
- 9 years of tax return mistakes - mortgage interest deduction
- An Expensive Pickle - 'obligatory' office lunches
- ROTH 401(k) or Traditional 401(k)? When to switch?
- The 1st of the month
- How do I file 2016 tax returns in 2018?
- I will never afford anything
- Just received an email from a place called EdFinancial Services?
- Do you recycle?
- Max out 401k vs pay off 17k in student debt
- 25 y/o considering bankruptcy -cc debt/medical bills/student loans.. need opinions
- Canceled my Wells Fargo checking/savings account after 22 years
- Physical therapy place trying to bill me $1,466 a year later and something seems fishy...
- Looking for advice/suggestions on investing 40k
- Basics of Index Funds?
- Budgeting and student loans. Young professional in my 20s that needs some advice
- Sell stocks pay off student loan?
- Important Notice From Navient
- Going to pay off my credit cards soon and was wondering so I cancel or just hold onto them?
- My father (german citizen) became sick in the US, paid the hospital bill and now the hostpital claims we didn't paid anything and called a debt collection company on us
- Looking for critiques in budget/plan
- When I turn 23 in two months I will be kicked off my father's insurance, private insurance seems too expensive, what are my options?
| Weekend Discussion and Victory Thread for the week of November 30, 2018 Posted: 30 Nov 2018 01:05 PM PST If you need help, please check the PF Wiki to see if your question might be answered there.This thread is for personal finance questions, discussions, and sharing your success stories:
A big thank you to the many PFers who take time to answer other people's questions! [link] [comments]  | ||||||||||||||||||||||||||||||
| Fellow Mint users: have you noticed a decline in Mint’s quality in recent months/years? (Desktop) Posted: 30 Nov 2018 05:33 PM PST I've always used and liked Mint, but in recent months I've found myself increasingly frustrated. It just seems more glitchy/klugey, almost has a sort of outdated look, as if it was a software and I missed an update. Does anyone share this sentiment? [link] [comments]  | ||||||||||||||||||||||||||||||
| Taking a 40% pay reduction for a less stressful more passionate job Posted: 30 Nov 2018 10:36 AM PST Hi Personal Finance, I'm 28 years old I've been working a high stress fast paced job in Sales for the Tech Industry for the past 5. I've worked my way up and currently make an income of about $120k/year and am on path to keep moving up to making $150k-200k in the next year or so. However this year I've been noticing the stress and anxiety of the job has been creeping up on me. There are days I come in and absolutely dread doing the work, especially because the company I work for is incredibly demanding on a month to month basis. It's a highly competitive environment, and I feel it's really catching up to me. I take my work home with me all the time and it's almost a constant state of stress and worry about deals coming in or not. This has got me to do some self reflection and understand what things in life I do care about, and seeing if there are ways I can combine that with work. I've come to the conclusion that I love the outdoors. I'm passionate about camping, backpacking, bouldering, snowboarding, just overall exploration. And I live in a place I have that in the back yard. Using this info I've stumbled across an outdoor product company that closely aligns to my interest and have a role that I feel is a better fit to my "why". However the downside is that the income is 40% less. I'd be going from 120k to 70k. I love a lot of things about the company and feel overall I'd reduce my stress and increase my happiness because I'd be selling products related to things that I care about, and there is room to move up over time. However I keep struggling with the thought of "Am I cutting myself short?" and "Will I be able to still save for the future". Has anyone taken a pay cut in the those levels for the same reasons? I'm curious to hear your experiences and how it's affected you. TL/DR Currently in high income high stress job looking at 40% pay cut for job related to interests. Wondering people's experience in same situation [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 30 Nov 2018 03:15 PM PST After being inspired by another Redditor who did a $5 challenge last year, where they saved every $5 bill they received throughout the year, I decided to try it this year with a view to having a Christmas fund at the end. From 1st Jan until 1st December I have saved every £5 note that I have received. I managed to save £540. Delighted! I really did not notice it as much as I thought I might. I use my bank cards for nearly everything and was quite surprised how this mounted up to so much in just 11 months. I am hoping this post will inspire at least one other person to give it a go. I will be doing it all over again in 2019! [link] [comments]  | ||||||||||||||||||||||||||||||
| I thought I froze my credit but my new apartment did a hard inquiry on me Posted: 30 Nov 2018 03:29 PM PST I thought I froze my credit with the big 3 agencies. I applied to an apartment yesterday and they said they would run my credit. I informed them that my credit was frozen so I'd have to unfreeze. They said it was just a soft inquiry so it should be fine. They ran the check and it came back, I was approved for the apartment. I got emails from credit karma and 2 of my credit cards that monitor my credit and they all said that a hard inquiry was done on my credit. No big deal as far as that, but does this means my credit wasn't properly frozen? [link] [comments]  | ||||||||||||||||||||||||||||||
| 9 years of tax return mistakes - mortgage interest deduction Posted: 30 Nov 2018 06:07 PM PST a close relative got audited this year. I dont know the exact details, but she made some kind of mistake on their mortgage interest deduction. audit #1 happened earlier this year and they had to pay around $10k, including interest and penalties. they didn't have an emergency fund, so the relative got a zero interest credit card and expects to be able to pay off the $10k before the zero interest period runs out. audit letter #2 just arrived recently. they're on the hook for the same mistake in a different year's tax return for $11k this time. it sounds like they won't have the cash or savings to pay for this one either. she talked to a CPA acquaintance and was told that she basically f-ed up their tax returns for the past 9 years (that's when they bought the house). the 2 audits were for recent year tax returns. CPA advised her that she can file an amendment for the past 3 years and 2017 is the only year left for her to file an amendment. basically, fix it before the IRS finds it and pray that they can get the penalties and/or interest waived for 2017. she's scared out of her mind because she believes that they can be audited up to 10 years back and that leave 6 more years of bad returns that could come back to haunt them. I apologize for the lack of details, but is there much hope of getting through this? should be talking to a CPA? an attorney? A quick search on Zillow suggests that property values may have risen enough for them to sell the house, cover 9 years worth of penalties, and still walk away with a little bit of profit. selling is an unpleasant option, but i think owing the IRS $90k+ is a worse option. [link] [comments]  | ||||||||||||||||||||||||||||||
| An Expensive Pickle - 'obligatory' office lunches Posted: 30 Nov 2018 09:12 AM PST Hello PF, I recently started working in a very close-knit office. For years, every week, once a week, someone buys lunch for everyone in the office (about 10-11 people) on a rotating basis. With how the lunch rotation is set-up, I would buy lunch about every 7-8 weeks. The support staff (3-4 people) with lower salaries don't ever buy lunch or pitch in to pay. Now I expect buying lunch for 10-11 people every 7-8 weeks can easily top $1000 a year. I can afford to pay for it, but would rather spend that money to pay down a $10,000 car loan or invest toward my goal of FI. I feel trapped in this situation because the office has been doing this for many years and I suppose no one has commented on the cost or had an issue with it. I am also the new person and don't want to 'rock the boat' or seem cheap. I understand the sense of community and bonding over food, but this just seems excessive. Once a month seems much more reasonable. Am I overthinking this? Should I not worry about it and just see it as contributing to the team environment? Thank you! Edit: Thank you for all of your responses! As I stated in a comment below, I decided that I will participate. I believe being part of the team and building a sense of community will outweigh the cost of the food. [link] [comments]  | ||||||||||||||||||||||||||||||
| ROTH 401(k) or Traditional 401(k)? When to switch? Posted: 30 Nov 2018 01:21 PM PST This year I started a new job after being unemployed for the first half of the year. Because of the months of unemployment, I should be in a pretty low tax bracket, so I opted for Roth contributions. However, next year I believe I'll be in a much higher tax bracket because I'll be employed the whole year. Because of this, I think next year it will probably be more advantageous to move to a traditional 401(k). My first question is: Does this make sense? Am I missing anything? My second question is: At what point do I switch my contributions from Roth to Traditional? Is it January 1st? Is April? Before tax day? Thanks! [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 30 Nov 2018 07:35 PM PST Growing up dirt poor and with parents that made poor money choices, the first of the month was always feared. It meant rent was due and the majority of other bills were due. Now that I'm in my 30's and look back, I look forward to the first of the month because it means I get to update my spreadsheet with the previous months income, expenses and investments. [link] [comments]  | ||||||||||||||||||||||||||||||
| How do I file 2016 tax returns in 2018? Posted: 30 Nov 2018 04:56 PM PST I'm confused about where to start. I had done my 2017 one via turbotax but was unable to find how to do the 2016 ones. [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 30 Nov 2018 05:49 PM PST How am I supposed to survive? I'm 27, currently making under $20,000/yr on a grad student stipend. When I graduate, I hope to get an environmental job (emphasis on the HOPE) that'll pay more than $45,000/yr... How am I going to afford retirement, a home, and a family? Does anyone in this income bracket afford these things or just live alone in an apartment forever? [link] [comments]  | ||||||||||||||||||||||||||||||
| Just received an email from a place called EdFinancial Services? Posted: 30 Nov 2018 04:02 PM PST I don't know if anyone e else has heard of this company, but today I got an email from them saying that I owe about $114 and that it's due by the end of December. So I try to find the username for my "account" to view the statement--I click " log into manage my account," enter my security number and date of birth as instructed, but then I'm met with basically "oh, this doesn't match our records sorry lol." This is stressing me out right now and I have no idea how to go about solving this issue. Has anyone else had a similar situation? Edit: and in addition, I had an earlier statement with the same due date that said I owe $0.00, and now this month they're telling me I owe $114? What is going on anymore? [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 30 Nov 2018 12:40 PM PST Just curious as I have just found that it costs ~$10/month in my area. I'm trying to be frugal and responsible with my money for FIRE but have been raised on the idea that we should recycle. This is $100 out of my paycheck per year and I personally think it's worth it. However, being a penny pincher, I'm cringing!!! [link] [comments]  | ||||||||||||||||||||||||||||||
| Max out 401k vs pay off 17k in student debt Posted: 30 Nov 2018 04:48 PM PST Should max out my 401k contribution ($18,500) and take a bit longer to pay off student debt? My loan is 17k with 3.6% interest. Debt free in 7 months by contributing 8% (50% match of 8%) to 401k Vs. Debt free in 12-13 months by maxing out my 401k What should I do? [link] [comments]  | ||||||||||||||||||||||||||||||
| 25 y/o considering bankruptcy -cc debt/medical bills/student loans.. need opinions Posted: 30 Nov 2018 06:30 PM PST Hi everyone. I'm seeking some advice before committing to filing bankruptcy. I had a consultation with a bankruptcy lawyer today who advised with my given situation it would be in my best interest to file. She is charging me only $650 for her services, and is attempting to get my court fees waived (that may be the wrong word to use but I forgot her exact wording). Some info: I'm 25 years old and I'm a recovering alcoholic. Over the last few years, I made some pretty irresponsible financial decisions. I spent the last 4 months in a treatment center, and now I'm back home with my parents for the time being. My financial situation/addiction issues have totally fucked up a lot of things, including my previous living situation with my SO. I have about ~10k ish in CC debt (capital one, chase, comenity bank, discover, bank CC). ~20k in student loans, with $8,226 being private loans and the rest being federal ~16k remaining in car payments ~1,110 in court fees and fines ~567 reinstatement fee on my license ~200 misc payments on commitments that I have neglected since going to the treatment center (gym memberships) ~28,500 in medical bills from the treatment center I also owe my parents a couple thousand right now. I make about $1,500/mo, give or take like $200. I have not paid any of these bills, other than the car payment, since June or July. I am in good standing with the car payment, but not anything else. I understand that the court fees and student loans will not be discharged through bankruptcy. I am going to apply for income based payments for the federal student loans and I'm going to attempt to work out a payment plan with the private loans (again). I have attempted to work out something with the lender on the private loans in the past but they were unwilling to work with me then, and that's a big reason no payments had been made. Regarding the medical bills, the treatment center told me that they would accept what my insurance paid and not to worry about the remaining balance, but that legally they had to still send me a bill. They said not to pay it, and they would not send it to collections. I could ignore that, but that would be assuming good faith on part of the company and I'm worried that if the company gets sold or turns hands in the future, they will come after me for the remaining $28,000. I want to keep the car, it's the only thing I own and I need it to get to work. I also know that I owe more than the car is worth, especially because it's been involved in an accident. If I reaffirm my loan, will it still be possible to trade the car in for something cheaper in the future? Or does that lock me into payments until the car is paid off? I'm feeling pretty stressed about my situation, it has put immeasurable stress on my relationship with my SO and I'm concerned that I won't be able to get out of my parents house for years. My credit score is shot as it is, it's 426 now. I really want to make better financial choices in the future. I got Dave Ramsey's book and I'm planning to read it and apply it to my life as much as possible. I don't want to have to go through this again. Does anyone have any advice for my situation? [link] [comments]  | ||||||||||||||||||||||||||||||
| Canceled my Wells Fargo checking/savings account after 22 years Posted: 30 Nov 2018 07:33 PM PST A month ago I applied for a small loan at Wells Fargo for the 1st time ever to consolidate some small bills. They denied the loan. I went to a local Credit Union and they gave me the loan. Today I signed up for a checking/savings account at that Credit Union and canceled my accounts with Wells Fargo. Couldn't be happier to stop doing business with a crooked ass corporation. [link] [comments]  | ||||||||||||||||||||||||||||||
| Physical therapy place trying to bill me $1,466 a year later and something seems fishy... Posted: 30 Nov 2018 01:51 PM PST Forewarning, I know little to nothing about health insurance coverage or anything of the sort, which is why I am requesting information/help. I know I may have made some mistakes but I'm wondering how I should go about this and if there's anything I can do. Over a year ago in September, my podiatrist told me I should get physical therapy because I was still experiencing complications after a surgery. He said it should only cost around $50-$100 per session and that the University I was going to should have student discounts so I was like ok that's not bad and I'm in pain so I'll do it. So I called the number provided through my University's website and got some outside facility, however they said that they have a partnership with my college and that they provide discounts on sessions for students. The ONLY reason I went through with making an appointment was because I was under the impression that the cost would be less than $100 a session. When I got there for my first appointment, they were like yeah it'll be $65 per session with your student discount so I was like hell ya, that's pretty cheap (well, not cheap, but less expensive than I was imagining). At the end of each session, I paid $65 in cash and assumed that covered everything. I don't ever remember them saying anything about using my insurance or asking me if I wanted to make sure my insurance covered the appointments. In fact, my insurance at the time didn't cover jack shit and I always just had to pay cash for healthcare appointments anyway. But every time I did, all other providers I had gone to previously would always check with me and make sure I knew I was responsible for the full amount and would make absolute sure that I knew I wasn't covered, so there were never any surprises. Most places wouldn't even let me make an appointment unless I checked with my insurance to make sure I knew if I was covered or not. And then they would usually say something like "Just so you know, if your insurance doesn't cover it will be X amount is that okay?" This place did not do any of that. So needless to say, I wasn't at all expecting to be receiving any bills from this place. But just last week the person that had bought the house I was renting told me I had mail there. She sent a picture and I saw that it was from the physical therapy place and I even told her to throw it out because I thought it was just some dumb "We miss you!" holiday card that places will send out to get you to come back. On a whim, I ended up just opening it to see what it was and lo and behold it was a bill for $1,466... for 4 appointments... $339 PER session which is astronomically more than the $65 I was promised. I know for a fact that if I would have known I might end up being responsible for paying that price, I would not have gone through with physical therapy. So I emailed the address on the bill being like hey I think this is a mistake. They responded and said they billed my insurance for the full amount and that the insurance denied the claims... They also said "We already received $260 so now your outstanding balance is $1,206" which I find EXTREMELY fishy... Why print "Pay this amount: $1,466" when I only actually owe $1,206?! Were they just planning to let me pay more than I allegedly owe? I should also note that it seems as though the company was acquired by a new owner and have since changed their name, I wonder if that has something to do with it. My question is, what should my next steps be? Should I ask for a copy of the paperwork I signed to see if this was in any of the fine print? Should I contact my old insurance company? Should I just admit I'm responsible, give up, and pay? I will fully admit that I don't understand how these kinds of things work, but I ask because I don't want to make this mistake again, if I did make a mistake at all. TL;DR Thought I was only responsible for $65 per appointment, turns out I am unexpectedly being billed for $339 per appt for a total of $1,466 and wondering what I can do to find out if I have to pay or if I can fight it somehow. [link] [comments]  | ||||||||||||||||||||||||||||||
| Looking for advice/suggestions on investing 40k Posted: 30 Nov 2018 06:29 PM PST Hey everyone! First time poster. Just recently had an investment pay off in big way for me, all told I received a check for 45k Trying to decide on how best to invest/budget, and thought I'd go here. I'm 23 (about to be 24,) I rent a 2 br apartment for $600/month. My car's paid off, no school debt or debt in general. In the next year I was hoping to move from FL to CO, but other than that no big spending on the books at all. My parents have been in my ear about investing it, my stepdad wants me to put it in stock while my mom thinks I should go real estate. anyways, I guess I'm just looking for advice here to see if there's other good ways to invest or anything else im not thinking of. Any advice/suggestions greatlt appreciated. [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 30 Nov 2018 07:22 PM PST I've been trying to look into the basics of Index Funds and need some direction. I've read a little bit about them and looked at various company's websites but need more consumer related information so I can make a better decision when investing. [link] [comments]  | ||||||||||||||||||||||||||||||
| Budgeting and student loans. Young professional in my 20s that needs some advice Posted: 30 Nov 2018 07:10 PM PST I'm a college graduate with a engineering degree. I've been employed full time since February and am still building up my emergency fund. I wanted some opinions on how I am currently spending my money and how to best take care of my student loans. I'm a 23 male and still single. I currently live in a one room apartment. My parents own my car (paid off) and I just have to pay for routine maintenance/gas. I don't really have any plans to buy a house or a new car in the near future. I'm relatively satisfied with my current job at a manufacturing plant of a automotive supplier for all the big OEMs. As a supplier we can adapt a little easier to changing trends than the OEMs although GM closing some plants recently makes me nervous about the industry. Expenses My monthly income is $3012. This is my take home income after my health insurance and 401k are subtracted. I contribute 5% with company match of 4.5%. I started contributing to 401k in October. These are my estimated monthly expenses and probably a little bit overestimated. Expenses that are italics are solid and consistent month to month.
Any left over money is dumped into my savings account or stays in my checking account. For the month of November I spent $274 on groceries, $38 on fast food and $72 on gas. I also did some maintenance on my car (filters, oil change) this month in addition to buying a $300 futon for my apartment. The futon is now my main piece of furniture and a major upgrade from the one beat up dorm chair I had from college. I try to always pack my lunch and not eat too much fast food. Phone bill is $75 because I recently upgraded my Iphone after having the same one since 2013. I plan on having this one for as long as I can until it starts freezing/battery issues. As a single male a portion of the other category is used on acne medicine, candles, cleaning supplies to keep myself and my apartment in shape in case a girl wants to come over / to make a effort to try to meet a girl. I also have some irregular expenses for when my friends from college all get together and we do something fun (skiing, rock climbing, just hanging out). We only get together maybe every 4 months or so and my budget has been able to handle it so far. Maybe costs me $50 to $120 each time I see them depending on the activity. These get togethers are one of my favorite things and keep me sane. Student Loans I have federal student loans and private student loans. My federal loans total $25,600 with a average interest rate of 4.14%. My current payment is $285/month in level repayment and projected payoff in 2027. I also have a private loan totaling $56,000 with a average interest rate of 7.09%. This is the loan that makes me nervous. I pay $717/month. This loan has a projected payoff of 2027. I have a detailed spreadsheet with all the interest rates, principals and have the forecasted monthly balance for each month until 2027. Accounts
I pay my bills (rent, loans, ext.) out of my checking account. Savings account is for emergency fund, insurance( paid every 6 months) and PC fund. I'm slowly saving up to build a PC. The express card is for business travel, I typically get a cash advance and then put that on this card. The card acts as a debit card but can't be overdrawn (mostly have it to shield checking account from fraud). So I'd just like some opinions on if I'm spending my money in a smart way. I'm currently throwing money into my savings account (I transferred a extra $300 last month) but would like to start paying extra each month towards my student loans. I've gotten my checking account to the point that it bottoms out during the month at above $4000. This can act as a cushion while I put extra money each month towards my loans. I'm not sure how smart it is to build a PC for around $1700-$2000 in the near future (possibly February 2019). My laptop from college is getting older (2013 Mac) and I use it constantly when I'm home to watch movies, reddit, 3d printing, 3d modeling, computer programming and other hobbies. Should I just keep this budget for now and try to stay the course for the next few years? The loans worry me the most but this is my only debt (no credit card bill). [link] [comments]  | ||||||||||||||||||||||||||||||
| Sell stocks pay off student loan? Posted: 30 Nov 2018 12:35 PM PST I have, at the moment, $10,000 in stocks and I have my last student loan at $13,500 @ 6.5% Should I seal the deal seal the stocks and pay this loan off? Edit: Stocks in robinhood. NOT my simple ira account [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 30 Nov 2018 07:03 PM PST
Anyone else getting repeated sketchy emails from Navient to refinance your student loans? Hint: the word refinance is never used. Nevermind the fact they're amid several lawsuits for misleading borrowers about repayment plans, they've begun using scare tactics and appeal to exclusivity. The last email made it sound like they had this super awesome offer to lower my loan. This email makes you login just to see the advert a la "add to cart to see price."
Navient is my federal loan servicer. I did not choose Navient, I signed an online form when I was 18 for the government to help fund my education. The government chose a company to facilitate my payments. I use said government's income based repayment plan to help pay off credit cards and get established in a career. Said company decides it's not making enough money off me and uses the email I'm required to use to service my federal loans to send unsolicited advertisements against said loans that Navient is privy to. I don't get to opt out of Navient, the only emails I should be getting from them is that they received my autopayment. Oddly enough the only way opt out is to... refinance. But doing so is the worst personal finance decision I could make right now and Navient knows that. They know what my payments are and they know what they'll be without income based repayment. They also know how much more money they'll make off of me. I bet Betsy would prefer all our debt is transferred to the private sector and out of the Treasury given she recently called student debt a crisis and is a opponent of the Navient lawsuits. If I refinance to a private loan don't I give up any chance of student loan forgiveness? Is anyone else getting pestered by Navient or your loan servicer lately? [link] [comments]  | ||||||||||||||||||||||||||||||
| Going to pay off my credit cards soon and was wondering so I cancel or just hold onto them? Posted: 30 Nov 2018 06:34 PM PST They are the symbols of extreme pain and stress. I would like to just cancel them and burn them in some sort of ceremony but idk if it would be foolish to do that so I'm asking you fine folks what I should do. [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 30 Nov 2018 11:30 AM PST Hello fellow redditors, This is post is kind of an update in this post. Now I am looking for your help again. Short summary of the old post: Now, we just received a letter from a company called OVAG International (located in Switzerland) who claims that there is an open bill. I was very confused and called the US hospital where my father stayed. They told me that there is no payment for the bill. Therefore they called OVAG International as a debt collecting company on us. I told the hospital that we have proof of the payment but they just said that I should discuss this matter with the company because they are in charge of the payment now. We got some calls from the company who were trying to get in direct contact with my father but was not possible because he is currently in a rehabilitation center without any possibilities of contact. I dig around the internet and found This (in german) It seems like the company and their actions are highly dubious. I am asking you: - What am I supposed to do now? Just ignore their calls and claims? I would be grateful for all your help. I am sorry if my english is not the best. [link] [comments]  | ||||||||||||||||||||||||||||||
| Looking for critiques in budget/plan Posted: 30 Nov 2018 02:34 PM PST About me Income $44,200 yearly Networth
Total: $41,000 Expenses
+$2,000 yearly trip $24,300ish yearly Plan I am engaged and she is making approximately the same as me. The plan at the moment is I will be saving for the house while she saves for the wedding ($15k or so). I'm putting my house fund in an online savings account to earn about 2% interest. Is there something I'm missing? Any suggestions will be appreciated. [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 30 Nov 2018 06:11 PM PST I am a full time student and part time employee, I graduate in May and am hopefully going to grad school. I know when I get to grad school I can get insurance through my school. However Aetna, who is the insurer that my undergrad institution has partnered with wont let me see plans until Dec 28. Healthcare.gov is saying my monthly premium for bronze plans are at least $220 a month, and there is a catastrophic plan for $119. These all seem too expensive. Does anyone of any other resources or organizations I can get insurance through? I plan on quitting my job in may or August if that makes a difference. Also I live with my mother, but getting on her plan would be about $300 a month... [link] [comments]  |
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