How will the proposed national health care reform affect the unemployed?
Although I believe that everybody should have access to medical coverage, I have a few specific questions regarding the proposed plan. I noticed that in the specifics, it stipulates that the uninsured will be subject to a 2.5% tax on their income as a penalty for not having health insurance. My husband belongs to a labor union that negotiates the specifics of his employer provided health care. One of the stipulations for health coverage is that he is required to work a mininum number of hours every month to be eligible for health insurance. During the winter months we often find ourselves without health insurance because the weather doesn’t allow for him to work the minimum number of hours required for coverage. That hasn’t been a problem, we just schedule our annual check-ups during the months that he is working. Our children are covered during the winter months through a subsidy insurance plan provided by our state that covers all children whose parents make less than $65k/year. The premium is $15 a month and all dr’s visits and prescriptions have a co-pay of $3. However, this plan doesn’t cover adults, and the Cobra continuation coverage premium is out of our reach. It’s $700 a month for medical-only coverage. That’s our mortgage payment and when we’re surviving on unemployment, there’s no extra money to pay for private health insurance. Our annual income also puts us just above the maximum income that is eligible for medicaid, not to mention we sort of take pride in the fact that we are able to survive without welfare.
Specifically, my question is: are the unemployed going to be penalized the 2.5%, and how will the proposed plan affect or work with state plans that are already in place?
We are among the many Americans who cannot afford the COBRA coverage, so we opt to go without health insurance during the months he is unemployed. When people are surviving on unemployment, they generally can’t afford added expenses in their budget.
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