unfortunately you're among a group of people for whom the law may not be of much help. at the income level you mention you wouldn't be eligible for a subsidy. even if your income did qualify you the fact that your wife's employer offers you insurance -- even if you find it unaffordable -- means you wouldn't qualify due to a certain provision of the law. the one positive here is that because of the law you're guaranteed an insurance policy. i would suggest you work with an insurance agent who can help you find a health plan that may be affordable to you. you can search your options online at ehealthinsurance. com. you can also call the 800 number on the website to work with a licensed insurance agent. an agent in your area can also be found at the national association of health underwriters: nahu. org.
i am a married home owner. my wife has kaiser health insurance from her job. . i do not have medical coverage for myself due to previously being unemployed and the high premium if added to my wife's insurance. i am 62 years old and my part-time job doesn't offer insurance. our previous year's income was 61k with estimated income for 2013 to be 65k. we both work but even our assets are under water. we are just making ends meet. what are my options under the new health care law?