Thứ Bảy, 15 tháng 3, 2025

Why do people say they can’t afford health insurance (USA) when there is subsidized costs for lower income?

Sorry for dumb question.

I’ll use myself as an example.

I’m 27 and I live at my parents (no rent). I have a low income job making around $15k last year and projected to make that same amount (now I’m self employed).

Ever since I turned 26, I’ve paid close to nothing for my health insurance.

First it was $8/month when I was making $24k a year (lost job last year halfway thru year hence lack of matched pay) and now I’m paying $0/month, and it’s still marketplace insurance (same insurance I’ve been on).

Most of my copays are $0 or under $20, most procedures are free if not under $20, my medication doesn’t cost more then $10(Adderall). And this is the first time I’m taking full advantage of this insurance and seeing every doctor I should’ve seen years ago when I was in my parents insurance that would’ve costed me an arm and a leg.

That being said, why do some people say they can’t afford health insurance? When there’s huge subsidies for lower income folks? Did I just get lucky?



https://ift.tt/3qUC0oH Submitted March 15, 2025 at 06:23PM by asianstyleicecream https://ift.tt/7G4CbDt

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