I shouldn't have to choose between having money or healthcare

[drone232]

@resjudicata Honestly the only conclusion I can come to is that they literally think poor people deserve to die.

 

[bornarth]

@katesierra I have an autoimmune condition, plus several nerve disorders. I had several brain surgeries before I was 30. When I lived in California, public healthcare was almost decent and I at least didn’t have to pay for my medicine for the first time in my life. But the cost of living was ridiculous. Now I am living in the south. COL is much more reasonable (for now). But Medicaid here is a joke. They’ll only cover three (!!!) medications a month. And I have to reapply every three months and jump through hoops and do a dance and try not to cry myself to sleep every night. It shouldn’t be this hard to stay alive and out of horrific pain

 

[lagopus]

@bornarth There are a lot of place in California that are not HCOL.

 

[iridescentskies]

@lagopus 95% of the state at least.

 

[lagopus]

@iridescentskies Are you saying 95% is or is not HCOL?

 

[iridescentskies]

@lagopus Is not HCOL.

 

[lagopus]

@iridescentskies Agreed. Everyone thinks California is SF, LA, OC, SD

 

[forgivenangel]

@katesierra Our income increased. So now we lose the insurance subsidy. So now the extra income all goes to insurance. The shitty insurance that covers nothing anyway. I hate it.

 

[hesedlove92]

@katesierra Family of 3 healthy adults (2; 60 y/o & 1; 20 y/o college student) $20,400 per year premiums plus $8,000 deductible but also $17,000 "out of pocket" available through his employer who pays no part of it ... we don't actually have any pockets with 17k in them ...

Full time (2080 hours annually) at $18+ take home just support our little health "habit".

We feel your pain in so many ways.

 

[elizabethc]

@hesedlove92 Does your employer pay any of the premiums? It sounds like you are on an individual plan, not group plan.

If you are on an individual plan or a high deductible plan from your employer you can get an exception to qualify for subsidies from the ACA

 

[hesedlove92]

@elizabethc Group plan, no employer contribution. We're told that because his employer offers HI we aren't eligible on the "marketplace" whether the employer contributes or not. I will absolutely look into the ACA subsidy.

I'm self employed, working my butt off, in a very low margin field - my income just barely covers our health care.

 

[elizabethc]

@hesedlove92 Who told you that? I think that you were misinformed about the marketplace. I think you are eligible for the marketplace.

"If your share of the premium for self-only coverage in your employer plan is 9.61% or more of your 2022 household income, it is considered unaffordable, and you can apply for premium tax credits in the Marketplace."

https://www.kff.org/faqs/faqs-healt...age-and-subsidies-in-the-marketplace-instead/

 

[anxiousinphx]

@katesierra I try to sign up for it every year and they always want like $500/mo with a $5000 deductible and I’m like yeah sure I’m just gonna have $5000 laying around if something happens guess I’ll die

 

[fmens]

@katesierra Yeah, America is fucked. The healthcare "choices" are so screwed. We need free Healthcare. And before a smart alec decides to comment, yes, I know that it's not "free" we pay for it by our taxes. But, it'd be so worth it.

 

[katesierra]

@fmens I'd rather see tax money spent on the people and not the war machine and stockholders who make bank.

 

[fmens]

@katesierra Agreed.

People are dying because they can't afford the insulin that they need to survive.

People are resorting to going to a psyche ward in order to get tested.

 

[holypath]

@katesierra Or military

 

[anxiousinphx]

@fmens Already giving up 1/3 of my income soooo

 

[pawnshopguy]

@katesierra I went to a comma and became a type 1 Diabetic at the age of 33. The price of insluin, test strips needles is soul crushing. And that's not including the price of doctors visits, Which is around 300, cgm 400 a month, or a pump which are around 8 grand. I have to inject every time I eat. I have long term and short term insluin. If I was to get the two mixed up I would die. Insluin converts food into energy and gets rid of sugar that build up in my body and be comes like poision. It would take 48 hours to die from not having it Imagine having to pay 400 dollars a week for air. I would not wish this on anyone. Im in pain every day and soooo tired, it's all I can do is work and come home and go to bed. I'm so afraid for my family that I would be able to physically work in the coming years.

Does any one have any ideas for help?
Things I can do to get extra money to help feed the family, investment ideas?

Anyone know of best healthcare options that help with insluin and endocrinologists

I never knew how hard and difficult having type 1 Diabetes was. Not only that I was in a comma for a week on the icu and have 45k hospital bill.

Any ideas that help or comments would mean the world. I just feel burrows and worried on how I can keep working 65 hour weeks just to cover the bills

 

[katesierra]

@pawnshopguy Honestly as bad as it sounds, your best bet might be to do what I'm doing, which is staying below the poverty line so that you can get Medicaid. Check into your state guidelines and see if they have Medicaid for workers with disabilities and see what their income limits are. You might have to lie a lot, jump through hoops, and technically break the law but not enough that you will actually get in trouble unless someone really fucking hates you.