What if I Still Can’t Afford Coverage?

I now have 2 clients I do home health care but now they say I make too much money so I got my Ebt and my medcaid is in jeopardy also its not fair that we bring our selves up alittle but our services get taken away

Obamacare was around $300 a month for me, I don’t have that kind of money to spare. Couldn’t find anything else, so what do I do? Am I just supposed to die under this unequal rule?

You can’t get low cost or reduce plans if you can not work! Why do so many keep posting the same nonsense info online? If you’re practically disable like me, you’re not going to be on a job and therefore, you won’t own even one cent, so what good will reduced plans do?

You have only two options if you’re in my position….

1 – Your forced to work disabled on a job long enough to get several months worth of insurance

2 – Die

That’s it…because no one cares.

https://www.gofundme.com/start/medical-fundraising

My husband worked for over 36 years with the phone company and when he was a employee it was awesome, we never had to worry about medical. I could go to the dr. anytime I wanted…Now…Nope, Obama care ruined it …I have to pay $350 per mo just for myself, ( my husband is now on Medicare) and I still can’t go see a dr. due to it’s over 300 dollars per visit and my medical won’t kick in until I have satisfied my deductible of 3500 dollars and then it only pays 80%. Our premium went up again this year. I’m only 60 this year and when it goes up next year I won’t be able to afford it at all ( were on a fixed income). it’s scary when your older knowing things are starting to go wrong with your health and not being able to do anything about it. When I do have to go to the Dr. for something serious it will be to find out how long I have due to I won’t be able to afford any treatment.

I work like a dog and gross 50,000 a year in the south which is above. I have a family of 4. I have a house note of 1,000$ moderate here. My paychecks are about 1300$ every 2 weeks.
They want 987$ for insurance. So choices are, sell house and live in a box and have insurance, Have a house and insurance, just no groceries, utilities, or other expenses.

Why is it not affordable anymore!!

My companies health insurance was great the last 13 years. Paid just over $ 450 monthly for a family of 4 and had a 20/80 split, 20% being my co-pay. Due to the high cost of Obamacare on the industry, my insurance is now an HSA at roughly the same monthly cost but just 2 covered now. I have a $3000 deductible that must be completely met prior to any coverage and only then it becomes a 20/80 % split. I have to drop my monthly maintenance medication due to the cost being out of my reach. Maybe I need to quit my job and ride off the govt like many.

This whole system is jacked up! There ain’t no way in hell I’m going to pay 5,6,7,8,9 or 1000 thousand dollars a month for insurance with a deductible of $6,7,8,9,10 thousand dollars on top of co-insurance when I see the docter once a year. Even for little things like broken arms or something along those lines you end up paying for everything. Example: My plan is $530 a month with a deductible of $6200. So, I break my arm and shit and have to go to the docter several times. First off, $530 for 12 months is $6300 a year on top of the deductible is 12,000 dollars out of my pocket in one your for a broken arm. Really!!!! Fuck that. This is the most ridiculous shit I have ever seen. On top of that you have lazy pieces of shit and illegal immigrants out there that are getting free health care on my fucking dime. There is no reason in this world that any family that is more or less healthy should have to pay premiums for health care anywhere near what a house payment cost. Health insurance now is pointless. Basically you just give away free money. Obama care blows!

I am a single mother and my ex does not contribute much! I have a good income because I bust my ass and work non stop!! They should consider AFTER TAXES for insurance cost!! After taxes, my mortgage, private school, my vehicle note, piano lessons for my son, groceries, gas, electricity, and all the other necessary things that cost, I don’t have an extra $800 for SAVING much less heath insurance with a $13,000 deductible and $14,700 out-of-pocket! Our government has LOST their minds!!

how am i to pay $1500+ on a income of $2400, what about the mandated vehicle insurance that forces you to pay for uninsured motorist, when ever one is suppose to have veh insurance how do I pay that too and Taxes, then still exist. Never-mind the roof over my head or food in my belly or heat in my home. This was a greedy insurance scam forced on the american people, utterly disgusting, by all calculations we pay for something monthly we cant use do to high deductibles, saved insurance from spending, just collecting, then lack of care puts me in the grave, seems like economical genocide, Thanks for nothing. I know my Lord so In ready to die and get away from this evil earth I just dont know how anyone in their right mind can call this AFFORDABLE

I make about $400 bi-weekly and after bills and expenses i have about $50 dollars to my name how am i suppose to afford health insurance and be able to eat and pay for my gas to get to work. all the insurance company’s on the market place leave me with nothing and just so you know i live in Chicago were TAXING people is done for fun.

This answer isn’t good enough. I find myself in the position where I simply can’t afford to pay $180/mo. for health insurance, but I apparently make too much to be eligible for Medicaid. I’m homeless, carless, most of my money goes to food and transportation to and from work, and I have severe health issues, I can’t afford ANY of my many medications now, try holding down a job without medications you need to even function.

My sister is supporting 4 people on $44,000 a year and The cost of insurance is more than what it cost her to just pay for the doctor and dentist bills out of her pocket. She is barely making it work from month to month. Obama care would be killing her to get the insurance, the monthly cost alone for four people is about $600 and they did duct a bowl is about $2000 per person,. I myself find that as the definition of insanity. Then she gets fine her entire tax return for not having insurance and she still owes over $1500 after they take her return. Money she used to use to get her kids clothes, school supplies and pay their school enrollment fees. How do they expect people who they consider middle class to get by? It’s impossible, please if somebody out there has a solution for my sister please let me know. She makes too much to get Medicaid, but not enough to get private insurance or insurance that makes sense.

Last year I was so poor my portion of the Blue Shield premium for Silver 87 was $2.00 per month.
In Jan 2017 it jumped to $103.
Feb it increased to $203.00. No one at Covered Ca could tell me why. I’m a nurse, but my husband became disabled and requires care. Therefore I’m at home.
I began getting my less than $1000 per month from Social Security
In March 2017.
The Blue Shield plan was changed by CoveredCa to a lower benefit almost catastrophic type. Now all of my social security plus more goes to Blue Shield, Co-payments of $55 to see a doctor. I think we’re on the Trump Plan. This is not what was intended!

Everyone should just stop paying for health insurance. I’m sure things would change real fast

The affordability plan in this country is an absolute joke.How am I supposed to afford healthcare coverage,pay for rent,2 children in child support payments and 160 bucks a week to a methadone clinic because im an addict in recovery.Its funny how when I was unemployed when I was an active user and now that I’m clean trying to rebuild my life I get denied medicaid because I somehow (make too much) but when I wasnt working yeah no problem everything is taken care of and I got the best healthcare better then some friends I know who make over 100 grand a year at a union job that offers premium insurance.Country is completely upside down and nobody is doing a thing to improve it.I work at a warehouse and make 10.90 an hour live in the northeast one of the most expensive places to live in the nation and am not eligible for ANYTHING for assistance that is complete B.S.

Just jumping in here to say that I am yet another who is being robbed blind by our countries taxes and health insurance. Obamacare supports NO ONE but those on welfare, at the expense of the hard working middle class.

The democrats are still trying to push the fact that Obamacare accepts preexisting conditions as a way of pulling the wool over our eyes as to how HORRENDOUS this system actually is.

$400 a month with an $8,000 dedictible? You have got to be kidding me. We are being charged whatever the hell they feel like charging, and they are penalizing us if we choose not to pay up. In what world is this not considered robbery?

Come to think of it, why do we owe you ANY of our hard earned money [taxes], if we are seeing no beneficial results from it? WE DONT.

We pay taxes, and yet we’re still charged tolls. Why?
We pay taxes, and yet we’re still charged $400-$1500+ for healthcare that is next to pointless.
State taxes gave me back $18 this year. Obummercare stole $750 from my federal return, for insurance I didn’t once use. Gee, and not so much as a thank you for copping all that money of mine?

The middle class is already burdened to death with sky high rent costs, merciless student loans, and raising prices all around. We cannot do this anymore. We are tired of lining the pockets of the government.

My family had to go on the exchange for the first time this year, because my provider no longer offers individual policies because of Obama Care. Now, there are only two providers to choose from on the exchange. I am self employed and my wife is employed. My wife gets insurance through work . Her single policy is reasonably priced at about 150/month. The family policy however, is at an out of this world price of $1200/mth, and this is not even a great plan, so that is not an option. FORCED to buy on the government exchange I am now paying $817 month for my two healthy daughters and myself, who is also in good health. This is the BRONZE plan, with $7500/$13300 deductible! We would have qualified for about a $200 monthly subsidy but because of a government LOOPHOLE we get nothing! Because my wife’s employer offers a family plan you get no subsidies! Even when that family plan is ridiculously priced! What a joke, it seems as though they have thought of every way possible to screw over the working person and get them to pay maximum dollar. By the way, I am paying over $300 more a month in premiums with a higher deductible, and the plan doesn’t cover all of our meds that my previous plan did. We also, had to change doctors initially, but out of sheer luck they have picked up my doctor. My wife and I make a decent living in Wisconsin, own a few rental properties and work very hard to keep what we have. I will have a daughter off to college next year and We are trying to figure out how to pay for that. Our total premium cost of $12,000 a year is simply too much and impossible for our family to afford. The mention of purchasing catastrophic policies is also a joke. That is pretty much what I am paying for RIGHT NOW! Anyway, once again the government wouldn’t allow me to buy one, because I’m too old. I’m awful glad I have a 20 trillion dollar in debt Big Brother telling me what I can and cant afford. Why is my coverage worse than someone who pays far less? I will be going off the exchange next year, so the government will have to look elsewhere for the $12000 a year that I have been contributing. I literally cannot afford to pay this much and I will not lose what I have worked the past 30 years for because of this TERRIBLE affordable Care act. $12000 a year will go a long way towards providing and protecting my family.

Finally gave up on any medical coverage. I used to pay 170/mo before Obama care, 10 dollar doctor visits, 10 dollar prescriptions. Then it went up to 345/mo and now 504/mo just to have decent medical insurance?

I’m done.

Since the beginning of 2017, I officially make less money than the poverty line (less than $11k a year), so I can no longer qualify for the tax credit. I lose money, so they increase my insurance from $50/ month to $300/ month? Because that makes sense. I live in a state that did not expand Medicaid. I am not healthy enough to get a second job, which is why I desperately need my insurance so much. But I’m not sick enough to get disability. I’m currently having to choose between paying for insurance and paying my rent. What do I do?

The healthcare tax penalty feels like a punishment. I’ve been struggling to stay on top of my bills with just the minimum payments each month and cannot afford to pay for health coverage. My job does not offer health coverage. I don’t qualify for financial assistance because I make a little too much per year. I don’t have kids so I guess I’m being punished for that too since that’s another way to get reduced cost health coverage. I don’t qualify in the other areas that are mentioned as ways of getting reduced cost coverage. I have “successfully” been struggling with my debt before this new health regime came into play a few years ago and would love to get coverage but I CANT AFFORD ANOTHER EXPENSE!!!! I already pay to see my doctors, pay the lab bills and pay for whatever prescriptions I need out of pocket. Why give a penalty for people that want to try to work their way out of debt without declaring bankruptcy? It’s like the government is giving it to us on both ends….We stressfully manage to pay for our health care out of pocket but because we don’t sign up for something that will DEFINITELY put us further in debt, we get hit with a penalty at tax time. ITS UNFAIR TO ASK PEOPLE TO GO INTO FURTHER DEBT FOR HEALTH COVERAGE THEY CANNOT AFFORD!!!!! Again, some of us want health coverage but we fall into this bracket of people that CANNOT AFFORD IT!!!!! ITS IS NOT AFFORDABLE FOR EVERYONE!!!!!!! I’m VERY FRUSTRATED AS I TRY TO GET COVERAGE EVERY YEAR AND DON’T HAVE A WAY TO GET SOMETHING “AFFORDABLE”. I just called and spoke to someone about getting the tax penalty waived somehow and was told to look into an 8965 health coverage exemption form. It still seems like someone else is deciding for me what I can afford.

Single mom of two grade school aged kids. I make $11 an hour, work 35 hours a week, and get $560 a month in child support. I had to turn down a $1 an hour raise because I would lose my Medicaid health insurance completely if I made just one more dollar an hour! That raise would certainly not offset any of the “affordable” healthcare plans. I would have to double my income to afford real insurance. So what will I do? Keep my crappy yet flexible job close to home and my 100% free insurance because f*** Obama. Medicaid used to be tiered so you could work your way up in a company while paying in just a little more each month to Medicaid until you finally could afford to get off it. Not anymore! Now I’m stuck on it while racking up interest on my student loans which obviously I can’t afford to make payments on. So much for the land of opportunity…

I live in the SF Bay Area and after rent, food, phone, utilities, transportation I pay about $2000 and make about $2300. That leaves me with $300 for dining out, entertainment, medicine, clothes or whatever sudden costs spring up. I make twice as much as poverty level so I don’t qualify for Medi-Cal (CA version of MediCaid). When I fill out application for Covered California( CA version of “affordable” care act) it says the lowest per month plan is $350 a month and that is with $75 co pays and big deductibles. I tried that last year and had to stop because I was falling behind. What can I do? I have some skin condition and can’t get help!!

What do you do if you cant afford health insurance and the state also denies you health insurance? What about coverage for a young child being denied by the state? I make very little monthly income….

Couldn’t afford insurance because I didn’t have a job. Finally got a job and insurance and penalized for not having insurance the months I did not have a job. Thanks Obama for taking my ENTIRE tax return!

our household of 4 makes maybe 28000 a year. my kids are covered; but my husband and i have to come up with 400+ a month for insurance. how can that be affordable when i have a house payment, utilities bills, KIDS…..

What if you do not want healthcare? Is it really a law to have healthcare?! Why is his being shoved down our throats. How can you charge someone for not having healthcare? That is insane!

Car loan, rent, food, bills, student loan, Gas and some how I can afford a 220$ a month insurance???? What is this? On top of that I get penalized if I don’t have coverage!?!?!? I don’t get it, if I had enough to pay for health care I’d have it! I have insurance for dental and vision because they are 14$ a month and I actually use them! Even if I was to get insurance the copays are so high I’d never use it! Why do they use Gross income? That’s not how much I actually see! No one gets 100% of their paid in taxes back. I’m so lost as to why this is actually a thing. I’m 21, just got out of school, Starting my career and I’m already drowning, kick me down some more why don’t you?

You all got what you wanted now. Trump in power, all sick people without money can just drop dead.

me and my wife between us we can pay our bills only just barely i even had health insurance but my hours were cut just enough that we had to drop our health insurance provided by my company i was working with
now were getting mail saying we have to sign up for this but we still cant afford it
we’ve already looked at coverage’s they’re more expensive than what my place of work was offering and we just cant afford it
if we’re still not exempt from this are we going to be forced into debt to have this health insurance?

I always said damn you Obama this is the most stupid thing you could have done of course the rich rarely get penalized because they could afford health insurance but to the lower class I can’t get ahead worth a damn you uncle Tom piece of shit

I have to many bills i can’t afford another one I can’t get medicaid or medicare even if i could afford insurance if something happened I couldn’t afford the 10.000 dollar deductible so why have it it would do me no good then they take my refund it’s rediculous I can’t believe people think Obama care is good

“Hopefully other people will post some suggestions below” ARE YOU KIDDING ME WITH THIS CRAP??? YOU TOOK MY AND MY KID’S INSURANCE AWAY FROM US AND YOU TELL US WE HAVE TO PAY ALMOST $800 PER MONTH FOR 2 PEOPLE WITH A $10000 DEDUCTABLE AND THE BEST ANSWER YOU CAN GIVE A SINGLE DISABLED PARENT WHO CANNOT AFFORD THIS CRAP IS “HOPEFULLY OTHER PEOPLE WILL POST SOME SUGGESTIONS BELOW”… FREAKING AMAZING THE HEAPING STEAMING PILE OF CRAP THAT IS THE OBUMMER ADMINISTRATION. WELCOME PRESIDENT TRUMP, PLEASE FIX THIS DISASTER FOR AMERICA

So I applied, I am an independent this year (yay, guess that means I am an adult now), I don’t have enough income, I receive no premium tax credit to help pay for my healthcare plan through the Healthcare.gov but also can’t afford it because I have bills and just paying for a plan that is over $200 doesn’t allow me to pay for my bills, and to top it all off I apparently can’t receive medicaid because I don’t make enough. What am I supposed to do?

I lost my job in December and have no job in 2017, I was denied assistance because I’m making $0 this year, plus my state doesn’t offer Medicaid. I was told to check out a clinic…? Really?

Hello, I’m 26 and I do not have a stable enough job to pay for insurance. What’s the better option, not getting health insurance or paying the $185/month health insurance that North Carolina says is the cheapest plan I can get.

I cannot afford $185 a month.

my daughter just called in tears she can’t afford healthcare!!!!!. her husband has a job, she’s a stay at home mom with a 5 yr old and a 2 yr old. She has a college education but when they saw the cost of child care, by the time she would have paid that, the money she would have brought home was nil. so she opted to stay at home till the kids are in school full time. Her husband also is college educated and works hard. He makes just enough that they do not qualify for assistance on healthcare, he works for a private small company so the benefits are high. To put my daughter and the kids on his insurance its $1800 more a month. So she has been on the Obama roller coaster from hell. She just called that re signing up for her and the kids will run $1100 a month with a $6K deductible for each of them. Basically you have no insurance. Basically you are hung out to dry and pay out of pocket on everything and with 2 little kids as anyone knows you are at the doctors with colds, strep, colds and what not all the time. Who came up with this system should be made to be on these plans. Obamas legacy won’t be Obamacare, his legacy will be how he killed the working man/woman with his healthcare. We have to have healthcare that is affordable. and if we don’t put a cork in the drain on our healthcare from people who can work but won’t work or people who come here and work and drain our system, then the US will cease to exist. It hard to tell your kids, get an education, work hard, get a job, pay your bills and life will be good. what a lie……those days are gone, I pray them come back. I pray our new President cares more about the working class than the last joker we called President. Cause he basically has left us in a row boat with no oars……..

I feel Obamacare is unconstitutional I’m required to have health insurance that I never use and pay ridiculous amounts every month and then when you do get sick and have to go in you end up paying more then the insurance pays can we all say BS!!!!! I’m single make $18 an hour and I still can’t afford health coverage after rent bills child support there is very little left over to eat most people have to supplement their income by doing under the table jobs or illegal BS just to get by how shameful life is in America peopl that actually voted for Obama should be ashamed of themselves

This is ridiculous. we had Obamacare last year and got assistance but my husband lost his job and we make less we don’t qualify now. What a scam!

Yr doing God’s work trying to answer people’s questions here. I got here for the same reason as everybody else– none of the solutions add up to help for me. I’m a single male, so it’s hard to catch the subsidy, which is fine since I’m healthy. I definitely have to just pay the fine. Won’t lie, it makes me a bit butthurt to pay Uncle Sam for health care coverage I won’t be getting– but health insurance isn’t for the healthy, is it?

If I got coverage I’d probably have to move, and I’m just not willing to do that. So, fine it is– I’ll just hope for the best.

But really I just want to say that obviously you at the website are doing your best to get people the info they need. There should be more folks like you. Thanks.

Everyone has a different and unique situation. Why not just flat rate people either by income or by age group (although this is a form of discrimination) Make all monthly payments equal, within a group. Then Cap the cost of medical care & prescription drugs ie…, Aspirin 10.00 ? You can get an entire bottle of name brand for that price. The markup on surgery and drugs should be capped at a reasonable percent. (That way the doctors can get paid too.) Gov’t should fund hosp with tax money as part of the shared responsibility difference. Then there is after your already sick or in need of a surgery. How about more money on preventive care like diet nutrition, fitness. Not perfect but something like this would be a start.
I am single in my forties, divorced, no children and I did not complete my degree. I dropped out after divorce, one income unable to afford and be in debt any more than from when I was married. So I am self employed (house cleaner) live in my sister (shack out back). Her roof is falling in, the house has old electric and only works in half, you do not dare use it or house will catch on fire. No heat, no gas , was removed due to leak. No hot water, there is a ecotemp propane heater. No oven, no dryer or washer. We both use a 25 dollar cheap flip phone, no cable, internet use at the library. We work on our own vehicles, or ride a bike. Every year we grow our own food if the bugs don’t eat it. Neither of us have been to the doctor in years, I can’t miss work as it is only me…, and I am supposed to try harder and pay for someone else?? I don’t qualify for healthcare, poverty level, no medicare (Texas) But you know I am happy, I am alive and far as I know have my health. We are hard workers, honest people and pull our own weight. AS should everyone!! I love this country and feel so sad for all of those who are hurting, but if the corruption at the top is not fixed first then it will always be this way or worse. Millions for leaders and CEO of Insurance co. just voted more raises…, etc. min wage $ 7.25, sales tax 8.25%, federal tax like 15%, you get the pic. Hold onto hope that’s still free. Best of luck to all.

I still dont understand why Im being punished for not being able to afford insurance? Why would I pay $2400 a year for insurance I’ll never see a benefit from due to the high deductibles? So Im forced to pay $700 dollars in a “tax” because I dont see the point of paying for something that doesn’t help? I work two jobs for over 55 hours a week, why are your premiums so ridiculous for such poor coverage?

I cannot afford the ACA increased monthly premiums, co-payments, co-insurance, yearly blood work and monthly medicine. I have other basic monthly living expenses and still making monthly payments to Quest Diagnostics 2016 lab work. I do not agree with being charged a penalty for enrolling in the not affordable ACA. The fact I cannot not afford a $600 monthly premium where am I going to get the money to pay the penalty?
Extremely Disappointed

And what about the now-defunct Middle Class who are now stuck in the gray area? We don’t qualify for any subsidies because we “make too much.” But the premiums and deductibles are forcing us to take on thousands in debt because of this so-called Affordable care act. There is no help for us at all. We spend years and years planning, budgeting and being money savvy only to have this crap forced on us and pushing us into bankruptcy. Where is the help there? How is that affordable?

Sadly I barely make enough to get by, with rent, food, gas to get work the premiums that I am being offered are $300 and up…that’s rent money and I’m not even being offered aid because I make too little…deff not happy as I may have to not have consider not having heath insurance due to not being able to afford the lowest premiums, $50 a month so almost now $300 is a HUGE difference.

That was the lamest response I’ve ever seen. You can’t force families to have health insurance then jack the prices so high they can’t afford it.

This is a form of oppression. …..Obama care should be a choice not forced onto people, I thought we lived in america….the land of the free

I just can’t wrap my head around what this country thinks is affordable. With the amount of money it costs to just live in this country….there is no job that pays what is necessary for a family burdened with the high cost of housing, food, gas, schooling, and homeowners, car, life, and health insurances. No politician is going to fix this, they caused this mess. The increases granted to the insurance companies by the states this year is ludicrous. How do they think we can shoulder this? My only choice at this point is to drop our insurance and pay the fine…annually it is more than 50% cheaper than paying for insurance that I never benefit from because of the high deductible and because I’m lucky enough to be relatively healthy! That’s some choice…the good ol’ USA

…um not sure where to start, I can’t afford Obama care either, I left my factory job of 30 years to care for my husband, he’s retired on ss and his insurance is through va. To cover just me on Obama care it’s $400 a month $6000 deductible 45% co-pay, we can’t afford that ! So I’m without insurance. I need a real solution answer.

I just lost my job and am on unemployment while going to school full time. I don’t qualify for Medicaid and I can’t afford any of the premiums for these plans. I’m also regularly in and out of doctors offices for a disorder so the catastrophic plans are useless. What do I do?

United Healthcare is offering no compliant plans here in Florida. Thanks, AFFORDABLE care act. What is affordable about this? If you are in the middle, you are screwed. It’s really only beneficial for those who make very little money, but if you are low/middle class, you are not getting much help, and those plans have all gone up. No one will admit this is a broken system. All that will be said is all the good it has done. When no one looks at the pitfalls, someone is full of it. Yes, and many, many people will agree with me. Also, thanks for those WONDERFUL plan options this enrollment period. Higher deductiles, higher co-pays, etc.

$47k a year for family of 4. $452 credit. STILL cannot afford this bull crap. Yeah I can get a free bronze plan…whatever with a $6k deductible per person per year? SO basically, Im paying for health insurance….. well for no health insurance.

Before this crap kicked in… I could get GOOD health insurance for $200 per pay check… and had $30 office copay and $5 prescription drugs. NOW I will have to pay 100%

Obamacare is a huge joke.

After reading all these comments from desperate people, I have to wonder how Hillary is ahead in the polls?????

The average premium will go up 25% next year? So if that’s an average, take the number of catastrophic plans, which is probably hundreds of thousands if not millions, and realize they pay next to nothing if not nothing at all. So their increase goes up very little if any. The average will be lobsided to the American tax payer. We will see increase of 50% or more. Cities and towns all over America are limited to 1 or 2 providers. There is no competition. No choices. 85 providers leave and less than 20 enter. We are 20 trillion in debt, with a horrible gdp to deficit ratio. WE ARE RUNNING A DEFICIT FOR PETE’S SAKE!! We are not Iphones to tweak and play with. We are human beings and Americans. When did it become so impossible to grow a small business or have choices.?

Health care premiums are too high. Even after paying hundreds of dollars required by the government for healthcare and the money going out in child support I’m left with a negative balance each month that has now gotten me in a lot of debt. God forbid I have to use the health care I can’t afford the deductible. If health care and child support (and I still have my children 50% of the time) take up 70% of my income after taxes there isn’t enough left for bills. Health care was cheaper before this. And I have to agree with another poster, you are better off to not work, take the free health care plus state assistance. I understand why many people work under the table regardless of the “consequences” why do we let the wealthy of America decide policy? This country used to be built on hard work and honesty but it is not present in our politicians or our business leaders and the majority now suffer.

I am a single mother of a newly 18 daughter who just graduated High School. I’m also a disabled Veteran who goes to the VA that only covers service connected things. The VA will not cover my daughter because she just turned 18 in August, and I’m disabled not retired military. We do not qualify for access because I’m not on unemployment, and medicaid is not in my state. My ex-husband refused to put her on his insurance this year, because he’s out of state. We are living on my student loans, and I’m only bringing in $350 a month on my 30% disability. Why am I going to be taxed $1.5k for not having insurance that I can’t afford?

What if you don’t make any money and aren’t on disability. How do you get insurance if you can’t pay for it.

I’m sick been sick for months can’t afford insurance can’t get Medicare gu as the poor simply die

My premium jumped from 35 bucks per month to 320 per month in a year time. I’m a waitress with 3 teeagers. I do recieve an extra 400 per month to my income for servivors benifits. I’m all alone with no help at all. I don’t get foodstamps, wellfare, ect….Why was I excluded.

I barely can make the $300 monthly ACA payments. Just received a notice that my premium will increase to $500.
Where the crap am I supposed to get the extra income? If I get another job then it will lower my supplement and increase my payment even more.
This is making the poorer even poorer.
This program STINKS! Worst idea ever.

im a single mother of 1 child, living on long island. I work two jobs, making about 35000 a year.. rent is 1400 a month, and I have credit card bills, after school day care payments so I can work, living costs, car insurance, car note… barely making it week to week with money in my pocket… and I currently have no insurance because OBAMAcare says I can afford “LOW COST” health insurance with payments of about 300 or more dollars a month, with catastrophic deductibles, 7,000 8,000 deductibles.. really? whats the point in even having the insurance, might as well have no insurance take the penalty.. and get back to taxes at all… and just pay out of pocket for doctors visits if I’m dying and over the counter medications aren’t helping. so basically just die…. until you feel you have no choice but to go to the doctor.. its DISGUSTING. I don’t receive child support but my daughters father has Medicaid food stamps and housing……. something is definitely wrong with America. What’s the point in working? Might as well stay home and get everything for free… that’s basically what America has come to.. the Hard working middle class gets screwed. Its so frustrating. and literally makes me sick. So work hard all year long, waiting for your income taxes and getting nothing in return because they FINE YOU for not having the LOW COST INSURANCE that they TELL you that you can afford… lol. It’s sick..

I am 57 years old, and make $68,000 per year (gross). My health care plan is going up to over $700 per month!! That’s almost 25% of my weekly take home pay. What part of AFFORDABLE is that!??? So, my other option is to take a plan that will cost me over $600 PER MONTH, and have NO hospital coverage at all. I can’t afford any of this. I am basically a healthy person. I don’t go to the doctor very often. But the doctor I have had for years is PPO only. Or, I can just pay him $90 per visit, which is far, far less costly than my current medical insurance plan. The insurance companies, once again, are taking all the money from everyone – the individuals, the doctors and all the hospitals, labs and other health care providers while they continue to get richer and richer. I just want a hospital plan and a prescription drug plan.

I really hate Obama care , me and my husband don’t qualify for any tax credit so we have to pay everything but we can’t ,we are paying mortgage, water ,gas and school I mean this is wrong!!!!!!! I hope the next president fix this!!!!!!!!

My adult unmarried son has Asperger’s, and still works a $10 hrly job- which grosses him at about 20K per year, or about $1700 gross per month. He earns too much for Medicaid! Basic math & common sense (which congress is NOT good at) tells me he cannot afford Health Care. $750 rent & utilities, $50 Phone, $130 car ins, 0 for old rickety car, $400 child support, $250 various taxes, $250 food…uhhh hello that is already in the red and does not include such things as gas or registration, vehicle repairs, much less hair cuts or a vacation. These are not frivolous expenses, Mr President, these are LIFE expenses, non negotiable. Congress needs to be required go out and live on $20K a year with no help, before they can hold office. SO, he will adjust his w-4, so he DOES NOT get a refund, and that way IRS cannot take it. The ACA law is CLEAR that this is a penalty tax the IRS cannot arrest you, freeze your money or levy property. So, for those of you who cannot pay for Insurance, go ask a tax account to help you adjust your W-4 (that is the form you fill out when you start a job that tells the employer how much money to withhold for taxes.) The IRS can, however, collect the penalty from the next year IF you have a refund. So, plan your withholdings carefully (owe some tax), but don’t pay a penalty when you only earn $20K a year.

For a family of 6 I cannot find any affordable health insurance. Everything is far more expensive than my mortgage and that makes no sense. My family does not qualify for a tax credit, yet we cannot afford to pay this outrageous cost! I just found out that the plan I have $1600/month (which already pays for NOTHING) is being discontinued and the next cheaper one I can get from my provider will be almost $2000 next year!!!!

My family has chosen to go off market for health insurance because Obamacare and the chip program for our children would be more than our mortgage $1,167/month (why ?!?!?!?!) to be exact. It still is right around the same as our mortgage but not as high as Obamacare. We are self-employed and we are being raked through the coals living pay check to paycheck even dipping into savings now to pay for health insurance. We are hardworking people and have never felt so trapped. We’re not wealthy, but we work hard and pay our taxes. It’s unfair that we are paying outrageous premiums for something we need. My husband and two boys have the lowest premiums and I have the gold because of having a baby this year and I didn’t want to pay the ridiculously high deductible. I’m not looking for handouts I’m simply letting the government know that it’s not working for us and please let the American people handle insurance ourselves the way it was before. I understand that there is no perfect solution for health insurance but the Affordable Health Care act is destroying the middle class and the American dream of being self-employed.

In response to this statement: “Hopefully other people will post some suggestions below, it’s of course not an easy question to answer and we feel for people finding themselves in this position,” stay out of health insurance.

My husband and I earned 82,000 BEFORE taxes last year. That means that we brought home about 60,000. We don’t own a home, we rent. We don’t live high. If cable is living high then we have a basic plan
. We have no health insurance. The cheapest plan for us last year was 1,450 per month. We have been fined every year. I’m 60, he”s 55. What do we do? Why are we being punished for working all our lives?

There is nothing affordable about Obama Care! What a joke! Way to go democrats way to go!

Government needs to stay out of the insurance industry!

I am at my wits end because I have been dealing with severe stomach problems since 2014, but I am an uninsured college student, and get denied for medicaid, yet get crazy high choices I cannot afford due to not being able to work because I am literally too sick, but I am screwed because I need to work because, again, I am a college student (though this has literally gotten me to the point of having to do all online courses). It sucks but I have no options what so ever, my biggest hope is in the upcoming elections, sadly, Trump gets in so he can repeal it. I literally wish I could move up to Canada, but alas, too broke.

I recently moved to a new state and I found out I was pregnant. I have 3 kids and my husband is the only one working. May I add I have an autistic child. My husband makes good money but with food and rent and every other bill we’re left with nothing.I dont qualify for insurance and neither do my kids even with a disability. So you want us to be dead beat parents and just get welfare and in order for us to be insured. Welcome to america people where the rich stay rich and the middle class don’t exist

Is there any help for me – On permanent SSA Disability due to Stroke; I’m 54 years old and can’t afford supplemental ins to Medicare to cover what Medicare doesn’t. My Medicare will be starting in Dec. and I am so worried I won’t be able to afford the health care I need and the many prescriptions I MUST have.

I’m beginning to really feel a struggle. I make 37k/yr and my husband is no longer employed because he is in severe pain. He hasn’t worked in 10 months. I think he has Fibromyalgia, but Dr’s say it is depression. Husband won’t take antidepressants. Dr says if he isn’t taking them then he isn’t hurting enough. I don’t know how depression would cause all this pain. Bloodwork says ANA’s are high, IMO it’s more than depression.

I have a Humana Silver plan. I’m paying $328/mo total for both of us, which was an adjustment for us, but I made it work. I don’t have TV anymore and we grow a lot of our own food.

The problem is now the medical bills are crippling us.

I’m still paying medical bills from last year. I was hospitalized last year – I had severe abdominal pain for five days. I went to the doctor three of those days. The doctors kept giving me medication for indigestion (Bentyl, Nexium, and pepsid or something of that nature…) and told me it takes time to work. I was in a ball on the floor crying and couldn’t move by the fifth day.

My husband put me into his van and drove me to the closest emergency room. I had never been admitted to a hospital before, this was my first time. They put me on iv morphine and I was finally able to sleep for the first time in 3 nights. I had a urinary tract infection coupled w/ an ovarian cyst.

To top it off, the ER I went to apparently was not in network for an entire month while the insurance company and hospital were working something out. That happened to be the one time I needed to go to the ER. I never got a letter, notice, nothing. I had a magnet from my insurance company that lists this ER as my hospital! I threw it away after that…

Well anyway, I’m paying a lot of money each month for this mistake… I now call my health insurance company before I go to any DR to make sure they are in network. Turns out they have a “72 hour” list. So once you check, you have 72 hours to visit that DR or they might go out of network on you.

Last month I got a lump on my neck. My coworkers urge me to get it checked out. It goes like this:
Me: I have a swollen lymphnode in my neck.
Dr: Let’s order an ultrasound
Ultrasound reveals its a swollen lymphnode.
Dr: You have a swollen lymphnode. Let’s refer you to hematology.
Hematology reveals: you have an infection
Dr: Let’s do a biopsy to see what it is
Me: Isn’t it a swollen lymphnode? Like you’ve actually told me nothing at all…
…then it disappeared a week later.

I don’t understand, why even go to the doctor? I feel like I am paying a lot of money for poor service… but the bigger problem is, I have to suck it up and take it, where normally a business would be put out. I am stuck. My husband is hurting, but doctors don’t care, they just want money. The bills are getting bigger. If I could get just a few months relief from my health insurance bill I could get a lot of the medical debt paid off, but instead I’m constantly slipping behind as more bills rack up.

When I was referred to get bloodwork done I called my insurance company. They say blood tests are free for the first test in a year (which it is my first blood test, ever, actually). The bloodwork wasn’t free. It was $400+.

My health care costs (incl insurance) this month are $900… but most of it isn’t even recognized (by recognized I mean go towards any kind of deductible) because it’s an old medical bill. So next year, when I have more medical bills and Obamacare increases again, I’m not really sure what I’m going to do.

I would like to go to the dentist. I have a cracked tooth. It is only a bother for getting food stuck in it causing me to be constantly flossing, but I feel it should be addressed. I have separate dental insurance which is very affordable ($9/mo), but I can’t commit myself to any procedures because I’m already in debt w/ doctors.

I need glasses. When I drive the signs are blurry…but I need to keep swimming. I need to stay on top of all the bills, don’t I?

What happens if I don’t pay my medical bills?
What do I do? Is there any relief?

I turn 30 this year. Does it work like car insurance or something and go down after a certain age?

I’m a single mother who makes “too much” before taxes to qualify for discounted insurance but too little to afford gold, bronze or silver plans. I was quoted $516 per month on myself (30) and my son who is two.

This is a Capitalist nation, so how dare the government tell me I have to buy a product in a free society. I am a veteran what I buy is my business and the government can have fun trying to enforce fines when I send them back with a letter that says professionally how I feel. If America is going to shove healthcare in our faces then America needs to do it like Norway, Canada, Germany, etc are doing it. Pay for our healthcare and raise taxes to compensate for it. It would financially be cheaper. If it wasn’t then other countries like the ones I named wouldn’t be doing it. Everyone there is super happy, so it’s proven it works. The government is too big and needs to back off.

THIS IS JUST A COMMENT!!Health insurance rates are too high. I have health insurance that costs $310.00 per month out of my pay check. The deductible is $6,000. I cannot afford my co-pays much less that crazy deductible If I choose not to buy insurance then I will be fined . This is just plain messed up and NOT FAIR to hard working people! Oh and then we pay for the people that don’t have insurance or need medical care as immigrants. How is this right again??????

Hello, I Signed up for Obama care the beginning of the year. However, i also started a new business, and my income will be very low (i am guessing. I stopped paying the bill and got cancelled. But i know my yearly premiums will end up being way too much for the amount I make (guessing 10k for first year startup) my premium was 172/month. It became over 20% of what my income will be this year and is totally not worth it! What should i do!

How can a family of three on a job that pays 13.00 an hour pay 400 a month for insurance that has a 6500 deductible and almost 800 for a policy that has a 2500 deductible. Might as well not have insurance at all. This is with a temp service. Ridiculous!

I get paid once a month, tax free, so can’t claim at the end of the year BUT with what little I do get paid they say I make too much ?? I can’t afford health insurance for me and my son but can’t do the mark health place cause I can’t file at the end to prove what I make. I don’t know what to do.? Please I need help and I can’t afford health insurance and will lose what I have now very soon.

I was laid off at the end of 2015 and had no money to get Ins. until after Jan. Now I can afford Ins. but can’t get it till Dec. I have a wife and 4 kids that need Ins. and can’t get it. Why can you only sign up to get Ins. 2 months out of the year. Talk about STUPID.
WE NEED INSURANCE!!!!
WHAT DO WE DO?????

Xxxxxxxcc I feel California Obama Care it’s a scam to tax money for the poor above 708 year if they cannot afford it . How can you charge Taxas on something like Medical insurance f you did not get it through your job or you’re not buying it. I think there’s better ways help poor people for medical care by the government by taken responsibility and making sure that everybody United States has insurance but it seems like it’s a scam so policians including the president scam the poor people by taxing them is going to be a burden on the poor people if they cannot even afford $10 a month let alone if they cannot afford to pay over $700 for not have insurance because pay out-of-pocket medical insurance for emergency which is over a thousand for a $1 coverage $6,000 deductible how is a poor person going to be able to spend $6,000 a year for single person and $13,000 for a family and medical is a scam to take advantage of the poor Malnutrition ,illiterate incompetent mentally, people to take advantage of……This scam the politicians metlaw it’s going to hurt the poor people if they are put into a burn because they couldn’t afford to get insurance the whole year and it’s going to cost him over 700 that would take their money away from eating paying bills having a roof over their head and making them more unhealthy just for the greed of for money they can get from poor.

Please, please, please, vote for Trump!!!! And kick that lousy, lying ass botch Hilary to the curb!!!

No one obviously cares. All they want is the bottom line. In every situation. Healthcare, pharmaceutical companies and now the government? NO ONE CARES but for the people this has effected. NO ONE cares and this country has gone to the toilet.

I can’t afford any insurance I qualify for. Next year my tax return will be penalized due to not having the insurance I cannot afford. There is no logic in this.

This isn’t fair.. I make $10.30 an hour in NY and I still have to pay a monthly premium of $20, and I don’t even get dental or vision with that. PLUS I have to pay co-pays every time I see the doctor. How is that right????? I make NOTHINGGGG!!!!!! So messed up how they use your GROSS income to say what you deserve.

I’m unemployed, broke, and can’t afford your “affordable” health insurance..so let’s go ahead and charge me MORE money that I don’t have.

oh? you say. cant afford 600 dollars a month for ONE PERSON.
Just jump through our horribly inefficient social gauntlet so you can be quoted something insane that even a wealthy person would have a heart attack over.

Thanks Obama for basically killing me by strangling me both financially and literally.
when I have an asthma attack and die,(and it’s only a mater of time now) I’ll be sure to blame this shit on you in my Will.
gonna go deal some drugs or rob something to make ends meet now >_<