General Discussion

FrodosPet

(5,169 posts) Thu Jun 28, 2012, 12:33 PM Jun 2012

I cannot afford insurance [View all]

I am in that no-man's land around 18K a year...above the poverty level, but still poor (for now, anyhow...health conditions may soon drop that to zero).

If I could afford health insurance, I would GET health insurance. As for getting a new job, people tend to not want to hire a middle aged man with a bad back and a heart condition.

Will any of this help me without huge deductibles and waiting for some tax credit at the end of the year? And are their people (other than employees of the insurance companies) that can help walk through this process?

49 replies

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I cannot afford insurance [View all] FrodosPet Jun 2012 OP

You need to discuss this with someone responsible for your state's plan for ACA. LiberalFighter Jun 2012 #1

Thank you for the advice FrodosPet Jun 2012 #4

Me too Electro Jun 2012 #42

I just checked with my state about expected deductibles and copays - bhikkhu Jun 2012 #45

You'll land up using all your money buying insurance with none left for actual services. dkf Jun 2012 #48

What if a state refuses to set-up an exchange? Nuclear Unicorn Jun 2012 #6

If a state refuses to set up an exchange, the federal govt will do it for them..... cbdo2007 Jun 2012 #12

OK, I think I'm following Nuclear Unicorn Jun 2012 #13

I may be wrong....but I don't think there is a federal exchange.... cbdo2007 Jun 2012 #16

Hmmm -- I'll guess we'll have to see what shakes out the next few days. Nuclear Unicorn Jun 2012 #18

aren't federal employees in the federal exchange? ellenfl Jun 2012 #23

I suspect ... 1StrongBlackMan Jun 2012 #27

i'm surprised employers aren't whole-heartedly in favor of single payer. eom ellenfl Jun 2012 #29

I have worked in HR ... 1StrongBlackMan Jun 2012 #35

^^this^^ RainDog Jun 2012 #36

So if you get sick, and everyone does get sick, who pays for your care? progressivebydesign Jun 2012 #2

Right now, I just avoid getting treatment FrodosPet Jun 2012 #7

Can you please stop? girl gone mad Jun 2012 #17

+1. HiPointDem Jun 2012 #20

+1 leftstreet Jun 2012 #21

Thank you. Starry Messenger Jun 2012 #30

SOoooooooo true -it really is !!! lunasun Jun 2012 #39

Are you talking about #2 post? What is hateful in there? n/t pnwmom Jun 2012 #46

For the most part, I no longer receive care. gkhouston Jun 2012 #22

i haven't had employer based insurance since the middle 90s and i work in the legal field. ellenfl Jun 2012 #24

ugh. SammyWinstonJack Jun 2012 #28

This thread has some relevant info and a useful link: enough Jun 2012 #3

+1000 nt progree Jun 2012 #34

Until the rest of ACA kicks in, Tanuki Jun 2012 #5

Thank you FrodosPet Jun 2012 #9

You're not an idiot. If you lived in a country that cared about people rather than profits, you sabrina 1 Jun 2012 #19

Well, I don't make a lot more than you do. Denninmi Jun 2012 #8

If you are young, healthy, and only have colds, flu, etc occasionally, you don't need to visit PCP FarCenter Jun 2012 #14

I'm right with you. I posted a similar thread and it sank like a stone, so coalition_unwilling Jun 2012 #10

You need to find a better agent mzteris Jun 2012 #32

Thanks. I will check into it. I'm relying on preliminary research I coalition_unwilling Jun 2012 #40

k&r nt bananas Jun 2012 #11

You're supposed to "stop raining on people's parade" and celebrate your new financial burden. Zalatix Jun 2012 #15

Your subsidized premium will be about $64/month davekriss Jun 2012 #25

I make a few thousand less than you do, and I am probably older Digit Jun 2012 #26

Middle aged and crazy! FrodosPet Jun 2012 #47

Then read what is available to you. ACA financially assists anybody sinkingfeeling Jun 2012 #31

I don't know if I'm too happy about Electro Jun 2012 #43

The bill raises the poverty level. You will most likely qualify for medicaid. FarLeftFist Jun 2012 #33

Here's a link to the Affordable Care Act - might help answer some of your questions. sad sally Jun 2012 #37

Our healthcare system is very unfair. yardwork Jun 2012 #38

I have insurance. I cannot afford CARE. Hell Hath No Fury Jun 2012 #41

My husband had a simple hernia repair this month. unapatriciated Jun 2012 #44

Find a local FQHC Recursion Jun 2012 #49