My hellacious health care nightmare -- Obamacare has ruined me

[jjct2012]

172. Clarification

I am also going through some issues, insurance was through wife's policy and she quit. So now, we are trying to get either COBRA, go on mine or into the exchange. It's all expensive.

I would also look at temp insurance, maybe 90 days, that can get you to open enrollment periods.

Anyhow, I am a bit confused on things here. If you are married, and your husband has insurance, you should be able to go on his insurance. Why did you have insurance through another means (it doesn't seem it is through employer)?

If you are not working, and your husband lost his job, you would probably qualify for medicaid, or if you still make too much with unemployment, heavily subsidized Obamacare. I find it hard to believe unemployment income would take you out of subsidy range. I still don't get why you don't qualify for a subsidy. When you are unemployed, it's a change in status, and you can enroll in those plans.

Should have been part of any separation agreement you have.

Anyone?

And, as far as Obamacare, if it wasn't here the rates would even be more sky high, your old insurance Co. plan was probably going away anyway to be honest. That's the one thing I do know. No one has that "good insurance anymore" Most businesses are going to a High-Deductible plan anyway.

Something doesn't seem what's right going on here. I think you got bad info/direction, and should investigate this.

And, don't worry about going bankrupt. If you have insurance, even crappy one, usually deductibles are $10,000 and perhaps 20 percent co-insurance. It's a hefty bill, but I think having your house at risk for medical bills that aren't terminal illnesses is a bit much.