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Forum
-> Household Management
-> Finances
amother
Heather
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Wed, Nov 10 2021, 2:56 pm
I'm sorry you're in this situation. I hope it's temporary.
Just so you know, communist countries have single-payer healthcare.
ETA, you might be interested in this website https://www.benefitscliff.com/
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amother
Cappuccino
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Wed, Nov 10 2021, 2:59 pm
Communist country?
I am not sure you understand communism (or socialism).
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stillnewlywed
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Wed, Nov 10 2021, 3:02 pm
If you're just right over the limit, move some money into your 401k so that you still qualify.
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SixOfWands
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Wed, Nov 10 2021, 3:02 pm
amother [ Cappuccino ] wrote: | Communist country?
I am not sure you understand communism (or socialism). |
I assume she was being sarcastic.
Or condemning the country for daring to help provide her kids healthcare, even if they no longer do so.
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amother
OP
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Wed, Nov 10 2021, 3:04 pm
fine so not communism, not socialism. call it whatever you want.
There is smoething wrong with a system where people are de-incentiveized to make more money!! Where a raise means losing money!!!
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amother
OP
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Wed, Nov 10 2021, 3:08 pm
stillnewlywed wrote: | If you're just right over the limit, move some money into your 401k so that you still qualify. |
How is this done? I do contribute to a 401k, but insurance chcks your gross income, not net.
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amother
DarkGray
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Wed, Nov 10 2021, 3:10 pm
Op would they be totally kicked off medicaid? Sometimes you can pay a monthly premium and co-pay before being kicked off.
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Writergirl
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Wed, Nov 10 2021, 3:11 pm
I just want to point out the threshold for having your kids kicked off is pretty high. If you're being offered a job with such a nice salary that your one income is enough fo that to happen you have a lot to be thankful for.
And communist, huh?
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liveandlove.ima
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Wed, Nov 10 2021, 3:13 pm
are you still qualified for a medicaid essential plan though?
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amother
Winterberry
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Wed, Nov 10 2021, 3:17 pm
amother [ Cappuccino ] wrote: | Communist country?
I am not sure you understand communism (or socialism). |
I am not I’m sure, I am positive that you don’t see the whole picture of what’s going on in our country
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chanatron1000
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Wed, Nov 10 2021, 3:19 pm
amother [ OP ] wrote: | fine so not communism, not socialism. call it whatever you want.
There is smoething wrong with a system where people are de-incentiveized to make more money!! Where a raise means losing money!!! |
There is something wrong with it, but it's a problem of a mixed system. A purely socialist system and a purely capitalist system both don't do this.
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groovy1224
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Wed, Nov 10 2021, 3:20 pm
OP, if you live in NY, your kids likely still qualify for very inexpensive health insurance through the marketplace. If you previously qualified for medicaid and are now only a bit over the threshold, your premium for your kids should be pretty affordable.
https://www.health.ny.gov/heal.....t.htm
I imagine there are similar rules in other states too.
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amother
OP
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Wed, Nov 10 2021, 3:20 pm
amother [ DarkGray ] wrote: | Op would they be totally kicked off medicaid? Sometimes you can pay a monthly premium and co-pay before being kicked off. |
I am paying the highest premium and copay.
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amother
OP
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Wed, Nov 10 2021, 3:20 pm
liveandlove.ima wrote: | are you still qualified for a medicaid essential plan though? |
What is that
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amother
Outerspace
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Wed, Nov 10 2021, 3:22 pm
Op I totally relate
The one year that I took a managerial job, half my paycheck went to pay insurance and we actually ended up losing a lot of money and dipping into savings.
Since then, I only work at jobs where the salary is max 15k. Dh is training, but when he gets a job, he will need to jump from current to at least 60-80k in order for us to make it financially.
I think it's too big of a window between "eligible for govt assistance" and "being able to afford frum life."
It's a global issue. The Mishpacha dealt with it in their sukkos edition. You're not alone.
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amother
OP
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Wed, Nov 10 2021, 3:22 pm
Writergirl wrote: | I just want to point out the threshold for having your kids kicked off is pretty high. If you're being offered a job with such a nice salary that your one income is enough fo that to happen you have a lot to be thankful for.
And communist, huh? |
I am defenitely thankful for my job. But that is compeltely not the point.
(and its not one income. my husband gets a kollel check, althought pretty small)
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amother
Viola
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Wed, Nov 10 2021, 3:24 pm
Your kids can prob get some other form of state funded insurance after Medicaid. You may pay
a small premium (ex $15 a month) but nothing major. Look into it, most states have it for kids with a much higher income cap than medic Id For you and your husband, maybe you can get on work sponsored insurance.
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amother
OP
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Wed, Nov 10 2021, 3:25 pm
amother [ Outerspace ] wrote: | Op I totally relate
The one year that I took a managerial job, half my paycheck went to pay insurance and we actually ended up losing a lot of money and dipping into savings.
Since then, I only work at jobs where the salary is max 15k. Dh is training, but when he gets a job, he will need to jump from current to at least 60-80k in order for us to make it financially.
I think it's too big of a window between "eligible for govt assistance" and "being able to afford frum life."
It's a global issue. The Mishpacha dealt with it in their sukkos edition. You're not alone. |
Thanks. The thing is its not "govt assistance" as in, we are on multiple different programs. We are not. It is just healthcare.
There should be a graduated system. It makes no sense to kicked off completely from one dollar to the next.
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amother
OP
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Wed, Nov 10 2021, 3:27 pm
groovy1224 wrote: | OP, if you live in NY, your kids likely still qualify for very inexpensive health insurance through the marketplace. If you previously qualified for medicaid and are now only a bit over the threshold, your premium for your kids should be pretty affordable.
https://www.health.ny.gov/heal.....t.htm
I imagine there are similar rules in other states too. |
Thank you for this.
If I lived in NY, I would be eligible for Child Healthplus.
I am in NJ, though. Does anyone know if there is something similar?
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