There are insurance plans that would help- if you're thinking of paying for a "secondary" health insurance plan. Hospital Indemnity, Critical Illness, Emergency Care, and other similar type plans may be what you are looking for. As for your main coverage, you'd have to wait until the annual enrollment period that starts on November 1st. You should compare what's available vs what you have now. There are also short-term health plans available, usually more affordable but not very useful if you have chronic health issues (since you'll reset the deductible periods every time you have to renew). I'd suggest that you find an independent agent in your area to help you go over various options.PS if you meet certain conditions, you can enroll now through a special enrollment period. https://www.healthcare.gov/glossary/special-enrollment-period/
No, "Obamacare" (ACA) only exists for people that don't otherwise have access to primary health insurance. Additionally, Obamacare policies may have the same or similar deductibles as employer-sponsored plans. If you opt for a lower deductible on an ACA plan, it significantly raises your premiums.
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