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The Wrong Amount of Poor

My income is lower than average, so we watch every penny carefully and live within our means. I used to have a Healthcare plan that fit my budget and worked well for my family of 6. It cost less than $300 per month, and the deductible was $4000. I felt good about being able to…

No Income and Lost Benefits Story

I lost my job in September and have been receiving unemployment since October. I have multiple health problems that made it impossible to get insurance last year. I was able to get coverage that began as of January 1. The coverage I had was awesome in that all my medication and my primary doctor visits…

Story about Health Insurance in Hawaii

My name is Joseph D’Andrea. I proudly served in the U.S Navy for 6 years. I recently got separated and now working 3 part-time jobs and finishing my degree in accounting this year. I can not find a full-time job because I don’t have a degree. I went to the Hawaii health connector because I…

Why Are Some People Left Out?

Why, if all Americans should be able to be covered, does no one cover long-term health care for someone with dementia? Not only can we not find insurance for my husband who will need long term care in the future but, although he is a veteran and served in Germany and Lebanon 1957-1959 in active…

Our Family Was Saved By ObamaCare

Obama Care saved my husband and I from total ruin. Since the law first passed and the immediate changes went into effect we have benefited. We both had existing health conditions He suffered through Prostate Cancer and Lung cancer, I had 3 heart surgeries. When my company stopped furnishing health insurance we have been lost…

Hardship Exemptions Can Be There Own Hardship

My wife and I (retired, too much income for subsidies, not eligible for medicare etc) apparently qualify for exemptions because last year’s ‘grandfathered’ policy was cancelled and the cheapest bronze is in excess of 8% of our AGI/MAGI. finding someone at healthcare.gov or at the two insurance providers in our area who understood how to help…

Arkansas Medicaid Expansion Story

First my family of 4 applied for health insurance at the local health dept. I have a high deductible and still won’t see a doctor unless I am deathly ill. My mother is on social security and medicare. My is ex-husband( my son’s father) who has been in the household for 2 years has received…

Paperwork and Rising Costs Story

I thought last year was bad. But, after telling me how much better my 2014 plan was compared to my personal plan in 2013 (I was already enrolled in my own personal plan, which the government canceled), the State of Washington canceled my new plan. So, I had to shop again. Perhaps the total premium didn’t…

Insurance Won’t Pay Story

Just want to let people know I went to the hospital cause hurt back when was at home and I couldn’t get in to the doctor office for 2 weeks. I hurt my back I pulled something and it hurt like heck I mean it hurt enough to make me cry. I ended up at…

Premiums Went Down After a Layoff

I enrolled in the ACA during the first year. At the time I was earning a salary of $45,000.00. The premiums for myself and my daughter were just under $350.00 which I felt was affordable given the fact that I am in my mid fifties. I was laid off from my job and immediately went…

Unaffordable Premiums, I’m Scared

I lost my job and my medical insurance one year before I was eligible for retirement benefits. My husband has a monthly retirement benefit but no medical. We are both 59 years old and in great health but based on our age our medical insurance premiums are at the highest. Our total income is 4000.00…

Fluctuating Paycheck Story

What is not taken into consideration is the people who work a full time job but the hours are fluctuated. I can bring home less then 350 a week and have one paycheck every 3 to 4 months just over 400. I should not have to work multiple jobs away from my son just to…

Tried to do the right thing

So I left my job with health insurance 11/7/14. I started another job 11/10/14 that did not offer health insurance. Found out 11/23/14 my previous employer removed me from the health insurance. Went to apply for health insurance for Jan 2015. All sites stated if I did not currently carry health ins to go healthcare.gov.…

Started out well but not for long…

I got laid off during the middle of 2014. It was rather easy to apply for and get Obamacare. I got the Silver Plan and my 2 kids were covered under Child Health Plus. Even re-enrolling in November 2014 went well. Then on December 31, 2014 we get a letter stating that my children’s coverage…

Unaware of the Deadline

My husband lost his job and healthcare coverage in May 2014. We did not get a COBRA offer from his employer, a U.K. based company. We were unaware of the three month deadline to sign up for new coverage. From June through December we were without healthcare coverage. We are healthy, active family of four…

Self Employed Premiums Unaffordable

My husband and I have not been helped but hurt and our details are below. But before I get into our details want to say that middle income people who do not qualify for subsidies, especially those who do not have health coverage via an employer (e.g. self employed or those who work for employers…

ACA Helped Reduce Private Health Care Premiums

ACA has helped me reduce my private health care premiums, no doubt. However, apparently ACA has established a standard Summary of Benefits document that all health care insurers must use to allow fair comparisons to potential enrollees. ACA does not, however require health care insurers to disclose plan documents prior to enrollment – according to…