Originally Posted by
AustinFromSA
Yeah, it's asinine. My family lost our health insurance months ago since we've just about lost everything and couldn't afford it any longer. $1000/month with a high deductible plan for a super healthy family of 4 while on the verge of losing it all is just not doable. Nice that we're going to get dinged for it too! Looking forward to that penalty. Also don't qualify for a cheap plan due to bureaucratic reasons. We are so broke these days that we literally sold our couch a couple weeks ago to buy groceries. I'm not exaggerating. Life sucks these days. But hey, at least a chain-smoking, fast-food 3 times/day eating borderline diabetic person with other questionable lifestyle choices can get dirt cheap healthcare, and other govt bennies!
I swear, I'm doing it wrong. After we sell our house, finish dumping the rest of our assets, and move to a cheaper state, I am honestly tempted to just settle into a minimum wage job where we can qualify for everything. We would honestly come out way ahead versus how it's been the last few years. Seems so screwed up that our system encourages this, but it's where we're at. My in-laws literally just semi-retired so they could qualify for an exchange plan since their rates went up so much they couldn't afford it any more longer. Working half as much, they are coming out ahead, but of course still broke so things still suck. They'd love to try and make more money, but then they'll get penalized by higher taxes and health coverage they can't afford. With our current system, we just can't win. You're either WAY ahead of the curve, or you're at the bottom. It is REALLY freaking tough for those of us in the middle.