[Mosaud1998]

Alright, I got this figured out. So, the plans are based on my income. I just started a new job and can't enroll in the health insurance plan until I am employed for 3 months. So, I need insurance for 3 months. After the 3 months, I am going to cancel the insurance plan with Blue Cross Blue Shield and get onto the employer's health plan.

The agent asked me what I think I will make in 2024. I told him 20k (but I'll make around 20k in 3 months. I only need a plan for 3 months). So, I was able to get on a "Cost-sharing reduction" plan where the government gave me an estimated saving of $334. That's how the premium went from $335.45 to $21.45. The same goes for the deductible. The deductible went from $4,400 to $0.

I posted a screenshot with a $20,000/year income and $61k/year income. of the same plan.

I think I am going to say my income for 2024 is $20k. Take the $21.45/plan and make use of it for 3 months. After I enroll on my employer's plan, I'll cancel the Blue Cross Blue Shield plan.