After spending the entire day on the phone, researching, and eventually just feeling completely defeated, we apparently have one of a few choices. We have been on a plan from the Marketplace since my husband is self-employed, and the company I work for only has 4 employees so we let our insurance program go back in 2008. My husband's company still has not fully recovered from the economic problems a few years back, but with my income, we have been able to get by.

We have a few options, of which, none of them are really all that good. We can both go on Medicaid, where I will have a tough time getting the care that is needed. It's not that I can not receive the care, I will just have to fight a lot harder for it. We can pay the full price for a plan without any tax credits applied, which unfortunately is not an option due to our finances. The last option is that my husband will go on Medicaid, and I will re-apply for a plan at full price. If that last choice is actually an option will take a few more phone calls later on tomorrow. The way things were explained to me earlier today were a little confusing and need some more clarification before we can make a choice as to what we will do. It was explained to me that because our taxes are filed jointly, we both would have to purchase a plan, or both go on Medicaid. That doesn't make a lot of sense to me, so tomorrow I will call the marketplace to see if I can get some real answers.

I know so little when it comes to insurance. It can be so frustrating trying to figure all of this out when it was thrown at us out of no-where.