In the Marketplace and via Kaiser
I am not going to debate you on the merits or drawbacks of the plan. It is not what was first described to us and it won’t “save the average American Family of 4 over $2,000 a year”, but it will offer health insurance to at least 200 people I know who have not been able to afford it before.
Why should we care if other people have access to affordable (and hopefully quality ) healthcare? Well, ever hear of TB and other childhood illnesses like Chicken Pox or Measles ; are you aware of their ability to become an epidemic? For public safety reasons alone, I would want everyone to have health insurance
But Public Healthcare is so affordable and easy to get! No, no it isn’t . If you are not completely and totally living in poverty, you can not get Medi-Caid or Medi-Cal or whatever you call it. And if you are hovering on the brink of eligibility; you can be covered but have a 100% co-pay. This happened to me when I was transitioning off of public aid and waiting for my medical coverage to kick in at Santa Anita Family Services in Monrovia.
let me quote the KP.org site:
The Affordable Care Act, also known as health care reform, takes full effect on January 1, 2014. It’s designed to help more Americans get health care coverage, and make it more affordable.
More peace of mind for you and your family
Here are some major features that should help you:
- Expanded no-cost preventive care. This includes immunizations, diabetes and cancer screening, counseling for smoking and alcohol abuse, and more.
- No annual or lifetime limits on essential health benefits.
- Your kids can stay on your plan until they turn 26.
- No one can be denied coverage because of pre-existing health conditions.
Federal financial assistance
There are 2 types of financial help from the federal government that may be available to you.
- Help paying your monthly health insurance premium.
- Help with your out-of-pocket expenses for care you receive.
You might qualify for one or both. The federal government will pay your health plan directly. You can apply for federal financial assistance starting October 1, 2013. It is available only when you get your coverage through the Health Insurance Marketplace (also called “exchange”).
Health Insurance Marketplaces
Marketplaces are federal or state-run markets where you can shop, compare, and buy health care coverage. You’ll find:
- Several levels of coverage for a range of affordable options. These are called “metal tiers”.
- A calculator that will help you see if you qualify for financial help from the federal government, and if so, how much.
- A simple way to compare plans to find the best one for you, and to sign up on the spot.
PS: can we stop calling it “Obama Care” or “O Bummer Care” and remember that Bill Clinton also tried to bring Health Insurance to the masses.