December 11, 2017 at 2:37 pm #132842
Helen Marie Richeal
Before Obamacare, we had health insurance through my husband’s employer. When Obamacare set in the company could no longer afford it, and we had to get our own coverage. ACA would not allow us to cover our disabled daughter, and we are now paying her bills out of our pocket. Then the rates jumped 3x in a year to the point that we had to cancel our coverage. From what I just read it seems that the sick and the elderly (even if they are still actively working) are getting squeezed out. They go by your gross income for the year but don’t take into consideration that we have to pay out of pocket for our daughter. It should be set up for a person to be able to choose what they can afford. What would you recommend for people in our situation? Thank you for your time and your article.December 11, 2017 at 2:43 pm #134014
I’m sorry to hear about your situation. Yes, the price of individually purchased healthcare is unbearable. I’d like to offer 2 suggestions.
1) since your daughter is disabled, can you go to ACA https://www.google.com/aclk?sa=l&ai=DChcSEwiymtvEmILYAhUIhGkKHZwhBoUYABAAGgJpcQ&sig=AOD64_2gzP-bsOpgFE3OVB-lBP_KiHQkeA&q=&ved=0ahUKEwjy5dPEmILYAhWHyoMKHfoLCnUQ0QwIJQ&adurl=
and get her a subsidized policy or her own if she’s not working? With no income, she would qualify for free healthcare.
2) Share this information with your husband’s employer. It provides for small businesses to purchase healthcare at low prices and offer big company benefits. I’m surprised by how many small businesses don’t know about benefits providers like Gusto, https://fitsmallbusiness.com/gusto-reviews/, that offer reasonably priced employee benefits. There are also professional employer organizations (PEOs) https://fitsmallbusiness.com/professional-employer-organization-peo/, that allow small employers to offer great benefits, possibly at prices lower than what they were paying before ACA. Best of luck to you.