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I feel like an idiot

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Hi everyone, I’m looking for some advice please. I’m such an idiot. I took a job with a really high salary but the insurance is absolutely garbage. Deductible is 10K and insurance doesn’t cover anything at all until that deductible is met. As a result, I declined my employers insurance and enrolled in marketplace insurance. Everything was fine, but I started falling behind on my payments. Paying $1700 a month out of pocket was killing me. That’s literally what I pay for my mortgage. As a result. I made the decision to cancel my marketplace insurance and enroll in my employer’s insurance even though it’s terrible it’s much cheaper. I cancelled my insurance in January and went to enroll with my employer and to my surprise I was rejected today!! Apparently, since I voluntarily canceled my previous insurance I don’t qualify to enroll in my employers insurance plan since I missed open enrollment. I thought canceling my insurance would qualify me but apparently I’m wrong. Now I’m freaking out. I have been fortunate and have never once in my life gone without health insurance. I have a wife and an 18 month old baby and I need insurance like yesterday. I attempted to go back to the marketplace but the website was asking about qualifying events and I’m assuming I’m going to be in the same boat. Is there private insurance that I can purchase in Ohio that will allow me to enroll now? I’ve seen some plans but they’re not traditional insurance plans and don’t have deductibles or cover everything I need. I really need help. I don’t like this feeling of being uninsured. Can someone please point me in the direction of a company that will insure me and not cost me an arm and a leg.

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Posted
Feb 12, 2026 at 7:43 PM UTC
LeadScore: 5

AI Analysis

Barrier
uninsured
Geography
us confirmed