My hellacious health care nightmare -- Obamacare has ruined me

[pnwmom]

29. There's a lot here that's hard to understand. I'm afraid you might be getting bad advice.

For instance, when your husband lost his job, he should have had the choice between going on COBRA or going on the state exchange. What do you mean when you say he "couldn't get onto Covered CA."? Any time someone loses a job that is one of the life events that should qualify you to go immediately onto an exchange without waiting till January.

Obamacare premiums are based on a fraction of your income -- so would never be 75%. You're in a state with subsidized premiums, so it's strange that you can't get a sharply reduced premium -- like to less than 10%.

(You are right that COBRA is very expensive -- but that is not the fault of Obamacare. COBRA has always been expensive.)

Also, you say that you are earning slightly over what is allowed to qualify for Medicare. Do you mean Medicaid? Because I don't think Medicare has an income limit, as long as you're old enough.

I'm sorry this has been such a nightmare for you, and even sorrier about your recent injury. It isn't fair that you should have to worry about money and paperwork instead of just being able to heal.

I just wish I had more confidence that whoever has been advising you knows what he or she is doing.