in NY, Just got diagnosed with life long heart condition, I’m self employed and DACA recipient. How can I navigate this the best?

Hi, I'm 26. The universe just rolled the dice on me, and gave me Snake Eyes. I now have a life long heart condition called Atrial Fibrillation that is likely to send me to the inpatient cardiac unit at least once in the next 10 years.

This leads me to a very important question… how does health insurance work? Is it deductable? If so, what does that mean? Do I have to pay upfront and then get it back at the end of the year? I do not have access to obamacare discounts due to the fact that I'm a DACA recipient. So I will have to pay for a plan out of pocket. I read online that off the market plans are cheaper, but do not cover preexisting conditions.

I have my own business, it is a web design agency, and it generates me around $35k a year right now before taxes.

Right now I'm living with mom and dad since I needed the health insurance (Medicaid) but I can't really take the stress of living at home due to other circumstances so it will take me out of the medicaid limits. I will be looking to move out within the next year, and I want to have a good plan in mind.

submitted by /u/memoryofafish22

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