Health Insurance on Schedule J?

[lotsahats]

I know I must have asked about this before, but I can't find the thread.

We do not, at the present, have health insurance. We are looking into it, but I can't assume we'll have any by the time we are ready to file (health insurance isn't exactly something you can pick up on the way home).

So, if I don't have it, what do I do? Should I leave room in the budget for insurance I intend to get? Or, would the trustee see that as disposable income?

What if the application is pending?

[keepsmiling]

That is a big one. I'll be curious to hear the answer as well.
I guess you don't want to wait to file til you have some? Might be the best way to handle it.

[shark66]

The way I see it...

If you *must* file ASAP, get health insurance before you file. Whatever you end up paying for it will just be taken away from unsecured creditors. You will NOT be able to "put aside" money that is actually not going to be paid into health insurance at present time.

Now, if your plan is barely confirmable (presuming you're filing a Ch. 13) with low DMI to begin with, you'll have to shop around. Some states offer better choices than the others - let's hope yours is one of the former.

My $0.02 only...

Good luck to us all.

[keepsmiling]

Lord help you if you are here in NJ.
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$

[lotsahats]

That is a big one. I'll be curious to hear the answer as well.
I guess you don't want to wait to file til you have some? Might be the best way to handle it.

You're probably right. *sigh* I'm so ready to put this whole mess behind me, though.