I’ve Heard the Government Is Offering Subsidies to Buy Insurance. Tell Me More.
You may qualify for a subsidy — in the form of a tax credit — to help you pay for health insurance. Tax credits are available on a sliding scale, according to your income. More than 2 million Californians will qualify for a tax credit.
Q: Our 24-year-old daughter is employed full-time and her employer offers health insurance. Does she have to enroll in one of their plans or can she stay on ours until her 26th birthday?
A: Young adults and college students will have more insurance options in the new health care landscape than just about any other group, including both the Covered California marketplace and Medi-Cal, depending on their income.
Q: I have been on the Covered California website and the calculator asks for family size, which I presume means the taxpayer plus number of dependents claimed on federal tax forms. If a consumer claims non-child family members (like aging parents) do they count as part of family size?
A: What’s a family? In our shifting social landscape, it could be a single-parent household, a domestic partnership, a same-sex marriage, an unwed cohabitating couple and more.
But when it comes to Obamacare, as Rich from Santa Ana notes, it’s all about taxes.
Q: If my husband’s employer offers health care insurance but it is unaffordable, where does that leave us? Will we qualify for help under Obamacare or will we be out in the cold? We make about $45,000 annually.
A: Apparently, lots of you dislike the health insurance options offered by your employers.
Carrie from the Sacramento suburbs submitted this question, but I’ve received a crush of similar queries from all over the state.
Yahoo ranks all manner of searches in its annual Year in Review: Top Searched Handbags; Top Searched Celebrity Pregnancies.
But here at State of Health, we were much more interested in Yahoo’s Most Searched News Stories — and were thrilled to see that “obamacare (affordable care act)” came in second. That in and of itself wasn’t a huge surprise, because we know Obamacare is a big news story. But it’s who Obamacare beat that was startling: the Royal Baby.
Several times each week, Sharon Wilson, a 53-year-old HIV-positive retired caregiver, takes an hour-long bus ride from her Berkeley home to her clinic in downtown Oakland. Wilson doesn’t mind making the trip, because she says the care she has received there since her diagnosis has saved her life.
Wilson says multiple chronic diseases, including HIV, have made it impossible for her to work. Ensuing financial struggles make managing her disease increasingly difficult.
Rural Californians already have challenges accessing health care and changes to Medi-Cal, the state’s Medicaid program, could further complicate matters.
Rural areas have fewer physicians and facilities and services are spread out over greater distances than they are in urban and suburban areas. Rural areas also have a disproportionately high number of lower-income, Medi-Cal-eligible residents which creates a challenging situation for state health officials charged with providing medical coverage in rural settings.