Category: Health Insurance

A New Life Event

My family has Obamacare. Despite what Fox News and the conservative press want you to believe, it’s not free.

We pay $1,071/month for our health-care coverage. If we didn’t qualify for a government subsidy, we would be paying $2,400/month. I’m not going to go into why $2,400/month is an insane amount of money for a struggling-to-remain-middle-class family to pay every month. I think it’s obvious that most families couldn’t afford that premium. We can’t afford the $1,071/month premium either, but we have to, in order to be insured and not fined by the government. Other things, like bills, have to be shuffled around in order to pay our premium, but that’s just life, I guess.

What is worrisome is that President-elect Trump and many Republicans are determined to get rid of Obamacare, i.e., dismantle the Affordable Care Act.

Ordinarily, one cannot qualify for new health care after January, unless he or she has a “life event,” which could mean anything from unemployment to a marriage. Now there will have to be a new qualifying life event, “loss of insurance due to Obamacare going away.”

Obamacare was not built overnight. And even when it was built, it was not problem-free. I hope the Republicans have the foresight and sense to not obliterate the program until they have another one built and ready to replace it.

I also hope that my hope is not for naught.