Skip to main content

The low numbers of those applying for the ACA can be easily explained.

We are broke
Expecting families to be able to pull payments up front for insurance together in the few moments it takes to apply is just not going to happen.

Yes, providing actual coverage for reasonable rates is a good thing. But ignoring the fact our working population has endured austerity since Reagan and expecting them to plop down several hundred dollars in the holiday season is fanciful. These are the same families that have to put off buying things like shoes and repairing transportation for months as to save up enough to make those purchases.

Enrolling in a new health plan on the ACA/Obamacare exchange requires payment of the premium at the time of enrollment. Many working class families live paycheck to paycheck or they are in the hole financially. They make too much to qualify for Medicaid but too little to make an additional insurance payment right now that can be put off until the last moment. To be even clearer: working class people like me do not have hundreds of extra dollars in the bank to make that new premium payment in advance of when it will take effect. For many, like me, we are already paying a huge medical insurance premium (mine is $875 every month for individual COBRA/Aetna policy), and we’re in the hole trying to make that happen.

Hence, I will look at what’s available to me on the exchange – Connect for Health Colorado – but I will wait to actually enroll until I have the money to pay the premium. Will that be tomorrow or December 1 or right before Christmas on December 15th (the last day to pay for the January 1st coverage)? I do not know. I just got the Medicaid denial this week after waiting 36 days. That wait prevent me from going forward to shop for coverage. So, that’s a working class reality.

And while I am at it on this working class health economics lesson: Who was the brain-child who decided the first payments would be due right in the middle of the holiday season? Should parents short their holiday spending this year and just tell the kids, “Sorry, I have to pay two insurance premiums this month”? Should they be forced to pawn things or borrow from family to stay afloat? Come on. Please—those of you in charge in this country—please at least actually ask someone in the working class to comment on your efforts before assuming whatever you work up will actually be “affordable.”

I will keep pointing out this capitalist disconnect because, like it or not, the greater part of our population now lives this reality. You can put commercials of free spending families on the media all you want. But that does not change the fact real families are living hand to mouth.
EMAIL TO A FRIEND X
Your Email has been sent.
You must add at least one tag to this diary before publishing it.

Add keywords that describe this diary. Separate multiple keywords with commas.
Tagging tips - Search For Tags - Browse For Tags

?

More Tagging tips:

A tag is a way to search for this diary. If someone is searching for "Barack Obama," is this a diary they'd be trying to find?

Use a person's full name, without any title. Senator Obama may become President Obama, and Michelle Obama might run for office.

If your diary covers an election or elected official, use election tags, which are generally the state abbreviation followed by the office. CA-01 is the first district House seat. CA-Sen covers both senate races. NY-GOV covers the New York governor's race.

Tags do not compound: that is, "education reform" is a completely different tag from "education". A tag like "reform" alone is probably not meaningful.

Consider if one or more of these tags fits your diary: Civil Rights, Community, Congress, Culture, Economy, Education, Elections, Energy, Environment, Health Care, International, Labor, Law, Media, Meta, National Security, Science, Transportation, or White House. If your diary is specific to a state, consider adding the state (California, Texas, etc). Keep in mind, though, that there are many wonderful and important diaries that don't fit in any of these tags. Don't worry if yours doesn't.

You can add a private note to this diary when hotlisting it:
Are you sure you want to remove this diary from your hotlist?
Are you sure you want to remove your recommendation? You can only recommend a diary once, so you will not be able to re-recommend it afterwards.
Rescue this diary, and add a note:
Are you sure you want to remove this diary from Rescue?
Choose where to republish this diary. The diary will be added to the queue for that group. Publish it from the queue to make it appear.

You must be a member of a group to use this feature.

Add a quick update to your diary without changing the diary itself:
Are you sure you want to remove this diary?
(The diary will be removed from the site and returned to your drafts for further editing.)
(The diary will be removed.)
Are you sure you want to save these changes to the published diary?

Comment Preferences

schemp, i dunno, RF, Sparhawk, peglyn, Shockwave, moira977, TracieLynn, cyberKosFan, bobtmn, Einsteinia, brillig, mmacdDE, nyceve, whenwego, roses, Boston to Salem, dylanfan, high uintas, aitchdee, wader, tidalwave1, emmasnacker, Lawrence, HeyMikey, zerelda, ybruti, randallt, jainm, BoogieMama, radarlady, greycat, qofdisks, chimene, Erik the Red, Brooke In Seattle, madmommy, PSzymeczek, Sun Tzu, Dem Beans, lotlizard, kaliope, Tool, brentut5, Brian B, Jim R, RJDixon74135, BachFan, Debbie in ME, cookseytalbott, blueoasis, jguzman17, Sagebrush Bob, el cid, middleagedhousewife, Randian, James Hepburn, Cassiodorus, blueoregon, bstotts, bmcphail, PatriciaVa, One Pissed Off Liberal, Jarrayy, AdamSelene, gloriana, puakev, 0wn, yoduuuh do or do not, beth meacham, LillithMc, burlydee, Assaf, TomP, rmonroe, JDWolverton, CroneWit, kimoconnor, poligirl, Youffraita, Involuntary Exile, Buckeye Nut Schell, Calamity Jean, Cassandra Waites, JamieG from Md, ZhenRen, LaFeminista, clent, ragged but right, greengemini, nchristine, RageKage, zaka1, mbradshawlong, moviemeister76, sfarkash, angel d, jpmassar, Wendy Slammo, parse this, SeattleTammy, dagnome, pixxer, ffour, Funkygal, 4kedtongue, Betty Pinson, ozsea1, slowbutsure, asterkitty, Nicci August, SoCaliana, Lusty, zukesgirl64, Grandma Susie, worldlotus, poliwrangler, SteelerGrrl, Sunspots, Willa Rogers, jadt65, Mentatmark, annecros, Mortifyd, ArtemisBSG, Sister Inspired Revolver of Freedom, quill, anodnhajo, greenbastard, orestes1963, Joieau, 2thanks, FloridaSNMOM, BRog, GAladybug, dotdash2u, databob, this just in, Most Awesome Nana, Merum, jusjtim35, remembrance, l3m0n, weck, gypsytoo, howabout, greenbell, Avilyn, Kombema, sillycarrot, joegoldstein, LiberalLoner

Subscribe or Donate to support Daily Kos.

Click here for the mobile view of the site