America’s unusual health care system that links coverage to jobs means that during bad economic times, people who find themselves jobless are also suddenly without protection from medical costs.
“It’s easy to lose coverage,” said Karen Pollitz, a senior fellow at the Henry J. Kaiser Family Foundation. “Not so to put it back.” Medicaid And The Children’s Health Insurance ProgramThese two programs are jointly operated and financed by the federal government and the states, and there are different benefits and income limits among the states. But Medicaid generally is for people with very low incomes ― which would include jobless people who abruptly find themselves with no income at all except for unemployment insurance.
In 30 states, children in households with incomes up to three times the federal poverty level ― which is about $65,000 a year for a family of three ― can access either CHIP or Medicaid. In 19 states, the upper limit is more than three times poverty, and two states allow only children in families with incomes up to double poverty to enroll.
In expansion states, Medicaid could serve as a valuable stopgap for people who lose jobs and health benefits. “If you’ve just had a big change in income, like you lost your job and your income went down to nothing, and you live in an expansion state, which is most of the states, there’s a good chance you’re going to qualify for Medicaid,” Pollitz said.
In Minnesota and New York, people with incomes too high for Medicaid have another option: the Affordable Care Act’s Basic Health Program. Minnesota’s MinnesotaCare and New York’s Essential Plan are open to people who earn up to twice the poverty level, which is about $32,000 for a single person. New Yorkers may have to pay up to $20 a month for the Essential Plan, and Minnesotans may have to pay up to $80 a month for MinnesotaCare coverage.
Native Americans in any state and Alaska Natives, however, can enroll through the exchanges at any time. People seeking to replace job-based health insurance from an exchange must first apply for the right to shop for coverage. This requires documentation from a former employer or former insurer verifying that the previous coverage has ended or is ending soon. People trying to enroll in an exchange policy or an Affordable Care Act-compliant plan directly from an insurer have 60 days from the date they lose coverage to complete a new enrollment under these rules.
Yahoo knows, they've been going out of business for years. Get woke, go broke, no one bothers to read your biased garbage.
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