It’s been several months since I’ve done anything on my blog. Some of that is time, but most of it is from a lack of energy and desire. Depression is an annoying thing. And when you don’t have health insurance to see someone about it, it can be debilitating.
Thankfully I was able to take a free HealthCare.gov seminar at the county community center and I learned some things about the program. Last time I tried to get insurance through their site, I was told I qualify for the expanded Medicaid program. But I don’t really because we’re in a state that refuses to expand that program. Fricken Republican Bastards; and Bitches.
Thus people like me are meant to suffer and die to decrease the surplus population and make it easier for the greedy. Whatever. Another case of trying to do everything right and getting screwed over by the System. What are we supposed to do? Well….there’s an option.
The Insurance guys at the seminar said there’s a glitch in the system. If you enter Zero income, it automatically assumes you can acquire Medicaid. It doesn’t take into account the state you live in and if they welcome that expansion program. If you try to buy insurance through the Marketplace with a zero income, you’re not sent to a review of your circumstance to see if you qualify for help in paying the premium. When you get to the end of the HealthCare.gov steps, you’re given the FULL price for the rate quote. Well I don’t have $300 a month to spend on insurance.
The Insurance guys said, the best way to get around that glitch is to enter the minimum income you expect to gain in 2015. That would be $12,000. When asked what happens at the end of the year when you don’t make that much and report that on your taxes? The Insurance guys said, they’re going to have to do something to accommodate those who fall in that category in states that refuse the expansion. They can’t penalize you, for the decision of the State Legislature. But it’s fraud to do this, isn’t it? It’s an anticipation of income and a work around for a glitch they created, he said.
I thought about this. One thing I’ve learned through these past 7 years of struggling after being laid off at the beginning of the recession is that doing the right thing doesn’t do anything for you. Being the law-abiding citizen, the one who acts responsibly gets you punished. Not helped. I’m tired of being screwed over because I did everything right. Ok Mr. Insurance guy, I’m going to lie and say I expect to earn 12k in 2015 and sign up for help. It worked and I now have health insurance for $30 a month. Thank you!
~ Victoria Lynn