I'll make this as short as I can: I make 60-65K before taxes, my employer doesn't offer any health insurance, and my wife is currently unemployed due to being a full time care giver for her recently deceased mother with advanced dementia. We don't have kids and we filed taxes jointly this last time around which means that she doesn't qualify for Medi-cal because my income is considered the household income for us both (correct me if i'm wrong, this is what Covered California has told us) and for two people with a household income of, say 63K, CC says that our healthcare plans ( the cheapest and crappiest one available- Molina Healthcare ) will be around $450 per month for me, and 375 approx per month for her. Her deductible would be $7,000 and I didn't bother asking what my deductible would be because right now I'm planning on not even having coverage in order to make sure that she is covered and has access to the medication and support that she needs.
So, before I started working for my current employer, I was unemployed for maybe two months and due to that i was enrolled in a health plan which cost around 140 a month, and my wife was receiving Medi-Cal aid and was enrolled in Kaiser Health at no charge. The quality of health care available to her was very good.
I do not have faith in our new provider as I have already had several experiences with Molina that were unsatisfactory. I certainly can't feel good about paying roughly 1/4 of my net income for shitty healthcare insurance that won't even kick in until my out-of-pocket expenses exceed 7,000 dollars, but the cost for anything better jumps exponentially when going to the next level or moving to a better provider, it seems.
Mortgage payments, car payments, internet, electricity, water, sewer, HOA, gasoline, vehicle and home maintenance bills already total over 3000 dollars of the 4000 dollars that I earn each month. Then there's life, which requires groceries etc (soap, laundry detergent, shampoo etc... oh and food, because eating is sort of necessary). Very quickly this last 1000 dollars gets spent without even trying to have any fun or joy in life...
so we plan on filing taxes separately next time around but that wont result in any reduction in costs for over a year I figure.
Am i missing something? Is this just how it will be now? Covered California or whoever gets to make a half-assed assessment of what I can afford? because if so, it certainly seems like I would be better off quitting my job and seeking part time work to handle necessities while grabbing FREE healthcare paid for by people with good jobs. Obviously this is a shitty way to look at this, but it also makes sense - and that sucks.
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