I didn't think this would happen so fast

SixOfWands

Wed, Nov 10 2021, 5:58 pm

amother [ OP ] wrote:

No, we want there to be a GRADUATED system of assistance. For example, every $5K raise you get, you pay an addtional 10% in healthcare premiums, so that your are not suddenly left hanging

For example, in my case, I am paying $150 a month premium for Medicaid. I get a $3K raise and my kids are suddenly uneligible for Medicaid, and need to enroll in a Marketplace plan, with $150/mth premium, and a $14,000 deductble.

I am now $11K in the red due to my raise. Get it??????

I don't disagree with you. There's no reason for anyone in the US not to have affordable, accessible health care. We need to make that happen.

Although its always been my understanding that the ACA now does much of that, providing subsidies. I've never used Medicaid, or been entitled to subsidies under the ACA for that matter, so I have no personal experience.

Its just a bit disingenuous to complain about "communism" or "socialism" while complaining that the government doesn't provide enough in terms of assistance.

doodlesmom

Wed, Nov 10 2021, 6:13 pm

As far as I know in NYC they aren’t removing anyone from govt assisted insurance since the start of covid. There is some kind of freeze on it.
Can you check if that’s the case? If yes you might still have insurance.

amother

Tan

Wed, Nov 10 2021, 6:18 pm

doodlesmom wrote:

Last I heard from the LRRC they will be terminating people who no longer qualify for NJFC at the end of 2021.

It sounds like a 401k or IRA would help you, OP.

Does your employer offer coverage?

amother

Winterberry

Wed, Nov 10 2021, 6:44 pm

SixOfWands wrote:

[b]

I responded to this already above

The point is that Uncle Sam wants you to grow to middle class and then gives you h*ll from there on...making you regret that you went past poor class.
That’s the start of communism.

amother

Denim

Wed, Nov 10 2021, 7:26 pm

I feel you. We Bh have a good income, but I’m in school so we owe a lot (over 100k) in student loans. We also don’t qualify for any programs at all. Insurance costs about 8k a year for just me and my baby, and I still have copays and a huge deductible. This was our best option and we did a ton of research and spoke to lots of ppl.
This is the country we live in... we once did the math of what a close relative is receiving in gov assistance and it’s almost half my husbands salary. Never mind we had to take out extra student loans for full time daycare...

amother

Hunter

Wed, Nov 10 2021, 7:33 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.

My kids are on this insurance and I pay a small premium! BUT none of my kids got braces because it's not included. Also one kid doesn't get to his therapy center because this insurance doesn't pay for a car to take to And from where as medicaid does pay .

amother

Maize

Wed, Nov 10 2021, 7:37 pm

There's get covered nj which has great plans and their income threshold is way more than nj family care. Also u can put money into an Ira ( retirement fund) tht can only be taken our for major life things like house college kid wedding etc. And that is not counted toward monthly income. Ik many pppl do tht cuz it's a good few thousand a year tht can go in there. Idk all the details but ask a financial planner they will Def know. ( ik Abraham ostricher in lkwd is very very good w these things and he's very reasonable)

amother

Oak

Wed, Nov 10 2021, 8:05 pm

I feel ya!! I was never eligible for Medicaid. I have 1 dc (only so I'm rich Banging head

) and hubby just started working a commission based salary only. We are extremely tight now. Back in 2020 when I was laid off and got Medicaid for dc.. BH covid freeze for Medicaid mentioned by another poster will keep us going for another bit... After that who knows. It'll be child health plus and will see about dh. I am still on my parents plan but deductibles are insane!!! From life is so expensive. I paid $7k out of pocket in the last few months for treatment not covered...

amother

Seagreen

Wed, Nov 10 2021, 8:05 pm

Did you check the latest family care income guidelines?
I used to enroll people so I’m familiar with the system. If you want to tell me your total household income and household size I can check what you might be eligible for.
Different ages are eligible for different plans.
If you are pregnant you are counted as 2 people.

amother

Darkblue

Wed, Nov 10 2021, 8:18 pm

groovy1224 wrote:

Do you have a list like this for adults? In a similar situation...

amother

Lime

Wed, Nov 10 2021, 8:18 pm

I have refused a raise because I can’t afford it unless it will be $20,000 more. Otherwise the amount we lose in food stamps plus insurance will leave us poorer than we are now.
It’s sad but I am going to have to jump from working in a Bais Yaakov to public school when I want to start making ends meet, there is no in between

1ofbillions

Wed, Nov 10 2021, 10:44 pm

amother [ Lime ] wrote:

Have you looked into putting the money from your raise into a 401k as people have suggested above?

amother

Lime

Wed, Nov 10 2021, 10:54 pm

1ofbillions wrote:

Have you looked into putting the money from your raise into a 401k as people have suggested above?

It won’t help because we would need the money to pay for healthcare, it wouldn’t be savings to go into retirement.
We can’t afford to get kicked off of Medicaid unless the raise is big enough for a $10k a year plan plus copays .

seeker

Wed, Nov 10 2021, 11:31 pm

SixOfWands wrote:

Although its always been my understanding that the ACA now does much of that, providing subsidies. I've never used Medicaid, or been entitled to subsidies under the ACA for that matter, so I have no personal experience.

I had that for a period of time. Even with the ACA subsidies, the insurance cost was steep enough to really offset the raise at work, even for the lowest level plans - so your net raise was really not enough to be worth all the extra hours you need to earn it. Then, once you're on a plan, NOBODY takes it. Seriously - you can find good doctors who take medicaid, and good doctors who take private insurances, but NOBODY who takes your essential or low-metal marketplace plan. NOBODY. At least in NY.

Very, very punishing to try to not be poor. No wonder most people give up and just focus on playing the benefits system. So unhealthy but so reasonable. Covid made it even worse because it gave people more free perks to become dependent on and even further forget what normal society is. And it normalized it, too - it used to be embarrassing in some circles to say you were getting unemployment and food stamps but suddenly it's trendy.

amother

Caramel

Wed, Nov 10 2021, 11:44 pm

amother [ Winterberry ] wrote:

I responded to this already above

The point is that Uncle Sam wants you to grow to middle class and then gives you h*ll from there on...making you regret that you went past poor class.
That’s the start of communism.

Please explain exactly how that is communism.

amother

Winterberry

Wed, Nov 10 2021, 11:59 pm

amother [ Caramel ] wrote:

Please explain exactly how that is communism.

Because when your people stop working due to government handouts and encouragement, businesses close, and the entire economy collapses and the government takes everything over.
At the same time they are also controlling many other aspects of people’s personal life and business.
Communism has never started in 1 day.

amother

Cinnamon

Sun, Jan 30 2022, 11:22 am

seeker wrote:

yikes
I just got myself off programs
what did you do when you couldn't get a doctor ona essential or low-metal marketplace plan?