I'm so upset and irritated right now that I don't know if I want to scream or cry. I will probably do both before it's over. I'm so over Obamacare and "Affordable" health insurance. We have been paying $683 a month this year for coverage for our family. That's more than one of our truck payments. Insurance through my husband's job would be $1200 a month, which is more than one of his pay days. We've had to struggle just to survive and put food on the table and keep some sense of normalcy for our daughter. We are living in our camper, semi moved to another state for his job, rented out our house, cut every non essential bill we had. We did everything you are "supposed" to do and we still can't afford it! How did anyone back this plan? How does anyone think this is affordable? In all of Obamacare there is only two good points. 1. Kids can stay on their parents insurance until they are 26. (Personally I think this should only apply to students and if you are married, have kids and filing your own taxes then you should have your own insurance.) 2. Insurance can't turn you down for pre-existing conditions. The rest of it is crap. When they decide whether or not you get premium help, they only care if the employee can get affordable insurance through their job. They don't care at all if you can't afford the family plan so that your spouse and kids can have insurance. I guess they just want you to get that penalty at tax time.
As most of you know, we have been trying to get pregnant again for almost three years now. I had another miscarriage in August and now I have made an extremely heartbreaking decision. Since we can't afford this "affordable" health insurance, we are going to have to go without insurance next year. The penalty is a little more than what one month's premium would be, so obviously it's WAY cheaper to take the penalty. A little over $12,000 cheaper actually. Since short term insurance doesn't cover maternity and according to the state my husband makes too much money even on unemployment to get state health insurance, that means I can't get pregnant. There is no way we could afford prenatal care and labor and delivery costs out of pocket. We both want another child so bad and I really can't explain how mad it makes me that any chance I had (and my chances were already slim) is taken away from me by this stupid insurance law. It's not like we didn't already have everything going against us when it came to having a baby. It took five years, two miscarriages and so many doctor visits to have our daughter. It's already been almost three years and one miscarriage since we've been trying again. Then throw this on top of it. I wish so bad that I could put into words what I am feeling, but none of the words that I can think of seem to do what I'm feeling any justice. Just suffice it to say that I'm mad and a I'm mad as hell!
That's not even the best part. The job that my husband came back to in Ohio is more than likely only going to last about three more weeks. Then he will laid off again. For the third time this year. It will be about a week before my daughter's birthday and two weeks before Christmas. Being that it will be the end of the year and cold, most jobs won't be hiring. My stress level is going through the roof. I am losing my grasp on my hope. Family is supposed to be the foundation of everything and our country has made it so that it's easier to get help and get insurance if you are single rather than a family. There is NO help for a working family. What is happening?
This year has absolutely been the worst year for us. I hope and pray that next year is better. If it gets any worse I honestly don't know how we'll make it. We could really use some prayers, good thoughts or whatever you believe in coming our way.
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