A single mother with two children faces losing her healthcare coverage because of the new Affordable Care Act.
Tina Wray is a single mother with two children. She is going to college, works 25 hours per week as a server, and has a medical policy through her work that costs $60 a week for her and her oldest daughter. Insurance pays 80 percent and she pays 20 percent. That policy has a maximum benefit of $10,000 annually.
She said she used this coverage in 2013 after she had her second child. But now her employer has told her that she will lose her coverage next year because Obamacare has restrictions about annual benefit maximums.
"I am scrambling to try to cover us with no success," she wrote to KCTV5.
She said she spoke to a representative through healthcare.gov and was told she doesn't qualify for a subsidy even though she makes just $18,000 a year. She was told she makes too much for a subsidy and not enough for state-funded Medicaid.
She has spoken to insurance carriers who believe she would qualify for a subsidy, but cannot confirm this.
She said she is looking at having to pay $700 monthly for insurance, which she cannot afford, or go without insurance and pay the penalty.
"I have never once in my life been without insurance because I have always been able to buy short-term policies to fill the gaps in employer coverage, but companies can't really offer that anymore because it is based on your health status. I don't know what to do and I know I am not alone," she said.
Insurance experts recommend that she work additional hours at her job to qualify for full-time medical insurance or make enough money to qualify for a subsidy.
President Barack Obama had promised that no one would lose their insurance under his signature healthcare law, but has since admitted that was a mistake. He has apologized and has vowed to work to help those people.
Wray is still waiting.
"I may just pay the penalty and negotiate with my doctors for cash and just keep my fingers crossed," Wray said. "Worst-case scenario, I guess I file for bankruptcy."
Copyright 2013 KCTV (Meredith Corp.) All rights reserved.
Tuesday, September 2 2014 11:12 PM EDT2014-09-03 03:12:05 GMT
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