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Health Insurance on a Budget for Grooms

For the seventh installment of the “The HorseGrooms’ Guide to Finance with Emmy Sobieski, CFA,” Emmy tackles the complex world of U.S. health insurance. She shares the different options available, how to avoid scams and how to decide between low and high deductibles.

1. USEF Health Insurance (and Dental, Vision)

Even if you aren’t a full member of the U.S. Equestrian Federation, you can join the Fan Club (most financially reasonable) and then get dental insurance for a very reasonable amount.  

USEF Health Insurance is high quality, like a group plan at a company, but for grooms it may be too expensive, especially with the tax credits you can get by obtaining health insurance on a government website.

Even if you get your health insurance through the ACA (explained below), check the prices and benefits for dental and vision on USEF marketplace as this may give you significant savings for low premiums.

2. ACA (Affordable Care Act) Insurance Marketplace

Check out healthcare options for low earners, including the Premium Tax Credit for health insurance premiums. Use Google to search for government benefits that can help you cover health care costs (lower premiums for insurance coverage as well as payments to doctors).

The Affordable Care Act (ACA) website, also known as Healthcare.gov, is a platform where you can compare and enroll in health insurance plans offered by private companies.

Want to know what you’re missing when you don’t sign up for HorseGrooms Community? Emmy Sobieski exclusively offers step-by-step instructions on how to register on Healthcare.gov, discusses why to avoid door-to-door salespeople, and breaks down what low and high deductibles mean (and how to choose). All you have to do is set up a free profile in the HorseGrooms Community and you’ll gain exclusive access to special resources, opportunities, courses and more. Sign up and view the article exclusively on Community here.

This is NOT a financial, legal, tax or investment advice. 

This article is for educational purposes only. It is not advice. Why isn’t it advice? First, I don’t have the licenses necessary to advise you. Second, I don’t know your specific situation, which I would need to know in order to advise you (if I had the licenses, which I do not).  

Whenever someone gives you advice, ask yourself these two questions above: do they have the credentials, and do they know your specifics? If either answer is no, treat their advice like a starting point of learning, and not as advice.

Let these blogs serve as a starting point in your education, not an end answer. Only you can find your answers to your specific situation.

November 20, 2023

Emmy Sobieski 🇺🇸

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