Last edited Sat Dec 21, 2013, 03:32 PM - Edit history (1)
Well, we may come within a hair's breath of qualifying for subsidies. We won't know for a while because I had to mail a paper application (I was crashing the healthcare.gov site and decided to use the old fashioned way).
Luckily my family does not have chronic health issues (well, i have some but don't see a doctor because I am not interested in pain pills that tear up my stomach and make me sleep my life away).
It makes me angry, but I am trying to look at this as getting the ball rolling in the right direction. It will be hard on the budget if we have to get this health insurance and then not even use it, but maybe someday it will pay off. I joked to my adult kids who will be on the policy with us that if they are going to get sick, make it something big because it is kind of in for a penny, in for a pound!
I heard a rumor there will be no penalty for those who can't afford a plan because of not being able to afford what is offered.
Another thing that I noticed about the application, it is all about income, not medical history. I would like for there to be an option for those who don't need the health care so much, but can pay for a lesser policy in the off chance an appendix goes out or a leg gets broken. A cheap plan just for that I could probably afford. Kind of like with car insurance, I have the policy that covers any damage to other cars, or I can pay more and get the kind that covers my car, too.
They need more options for folks like us. And we need to get closer to a public option.
EDIT to add...
We may only get a subsidy this year because the open enrollment from the insurance at my husband's work closed by the time I tried applying on the marketplace. Next year is a whole new ball of wax! Hopefully they have this glitch fixed by then!
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