As of 2015, everyone is required to have insurance?

I got some bullshit in the mail about applying for Blue Cross, and there's a little pamphlet that came with it talking about the Affordable Care Act. It talks about how just about everyone will be required to have health insurance in 2015 or face tax penalties, and how the penalty amount will increase every year you remain uninsured.

Now, how exactly is it affordable when you punish people financially for not having insurance? Some people like myself can't afford insurance at all because of low or nonexistent income. No, I can't afford even their cheapest plan at $113 a month because I make $0 a month. But if you don't shell out, you get fined $325 in 2015 for being uninsured and $695 in 2016. So, given time, it'll cost more to not be insured than to be insured. Because America.

I get that medical crises occur when you never expect them, but if someone can't afford over a hundred bucks a month, what makes the government think they can afford three hundred dollars (for starters) on top of other tax shit? There's some info about tax credits and subsidies to help pay for insurance if you can't afford it, but I have a feeling I wouldn't qualify for any help because I have no brats. Plus, the financial assistance only applies to certain plans, and neither the subsidy nor the credit apply to the cheapest plan.

Perhaps I'm misunderstanding something, but I don't much like being told that if I don't have insurance, I'll be taxed for it. Maybe it wouldn't be so bad if I could afford this shit, but boy, nothing like kicking poor people when they're already down.

I got something in my email through TurboTax that you may not necessarily have to pay the penalty next year, but I didn't pay much attention to that. But there's a possibility that you may not have to pay anything.

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I got some bullshit in the mail about applying for Blue Cross, and there's a little pamphlet that came with it talking about the Affordable Care Act. It talks about how just about everyone will be required to have health insurance in 2015 or face tax penalties, and how the penalty amount will increase every year you remain uninsured.

Sounds like BCBS is trying to scare monger people.

Checked Healthcare.gov It reads

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The fee in 2015

If you don’t have coverage in 2015, you’ll pay the higher of these two amounts:

2% of your yearly household income. (Only the amount of income above the tax filing threshold, about $10,000 for an individual, is used to calculate the penalty.) The maximum penalty is the national average premium for a bronze plan.
$325 per person for the year ($162.50 per child under 18). The maximum penalty per family using this method is $975.

Now, you're not 26, right? You should fall eligible for insurance under your Mom's carrier? If she's not collecting Medicare?

And if you can't pay

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If I'm unemployed, do I have to pay the fee?
It depends on your household income. If insurance is unaffordable to you based on your income, you may qualify for an exemption from the fee. Complete an application in the Health Insurance Marketplace to see if your income qualifies you for an exemption.

It sounds like you might be OK. Keep in mind that the penalty is paid in the year you file your taxes - 2015 if you didn't have coverage in 2014, 2016 for not having it in 2015, etc

I like that after 2015 it's adjusted for inflation. Huh. The average wage is not adjusted for inflation, but what Uncle Same picks from your pocket is *sigh*

Cambion, since you are in Pennsylvania, you may be eligible for Medicaid and not have to pay for health insurance in your situation. Try this link.
I am a single guy and am eligible. Mostly, if you have less than $10,000 in resources, and it sounds like you do, you should be eligible.

For PA medicaid

The ACA planned for all 50 states to expand Medicaid. However, the supreme court decided otherwise, and the states with republican governors have refused to take the federal money and insure their citizens. Hence, people who are too poor to buy insurance but can't get assistance because they don't have kids.

I have a HSA plan through work. I just went to the eye doctor with my new VSP plan, they covered the exam, frames, but not my super strong high index lenses. I had to a co-pay for $160! I used my HSA account for some of it and paid the rest on my debit card. Thank God for holiday pay and quarterly bonus.

My new glasses are great with less glare and more high def. They are lighter than my old pair, but I had my heart set on rimless and was unable to get them because of my shitty vision.

My meds were $60 a month and now they are $28 due to my new insurance. Health insurance is worth every penny. It's pretaxed out of my paycheck.

I think I did look into Medicaid at one point, but the impression I got from it was I wouldn't qualify because I'm not a geezer, a breeder, a brat or a cripple. I'm also not 26, but I was on my mother's insurance until I turned 27. Thankfully, I have no tremendously pressing health problems, but I'd really like to go see another doctor and get back on my thyroid meds already.

I tried checking my eligibility, but the fucking page needs Flash Player, which I have disabled because it doesn't load right on my home connection. Figures.

Cambion, try using the library computer, or calling the government site directly.

People are allowed, not required to carry adult children on their insurance but they have to pay the full premium.
I would NOT do this unless my never to exist child was a disabled dependent.
I am tired of taxes paying for ER sinus infection write-offs by the hospital.
I think it is suspended this year, but people in their late 20 ' need to be taking care of all the unyesly details that go with being an adult.
In my ideal world, the US would move to a one payer system.

Call your local health department about the thyroid issue. Plan to wait a few months. Levothyroxine (generic Levoxyl) is on the four dollar generic list at Kroger.

Can the health department get me meds without any kind of office visit? The cost of the meds isn't an issue, as I got a 3-month supply (uninsured) for $10. That's no big deal. It's just having to see a doctor and get blood testing and more blood testing and trying to make the doctor give me a proper dose. I just don't have the money to be getting shitloads of uninsured examinations and tests.

And using the library's computers won't work because their internet is worse than mine (and they block everyfuckingthing online). I wish I was kidding. Probably too many pervs using the internet to look for porn. I'd call, but I don't need nosy fuckers in the house eavesdropping on my conversations (and someone is ALWAYS home), so I'm probably going to stick to online just to be safe. I'll have access to decent internet this weekend, so I'll try then.

Cambion, try to find a payphone, a few still exist or get a burner phone from a convenience store to call.

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JoJo
Cambion, try to find a payphone, a few still exist or get a burner phone from a convenience store to call.

My prepaid flip phone cost less than $10 plus minutes.

I checked my eligibility for Medicaid, and I do qualify for it, but the absolute cheapest plan in my area is $114 a month via Blue Cross. Apparently, they don't get that my income is ZERO, so where they think I'm gonna get any money each month for insurance is beyond me. At the very least, I would be exempt from the $300ish tax penalty for being uninsured. If the cost of an insurance plan is more than eight percent of my total income, I won't get charged the penalty.

I also have a prepaid cell phone, but I'm gonna have to wait until I can make a call away from the house anyway, not only to keep the conversation away from prying ears, but I get a shitty signal out here in the sticks. I can only text about half the time, and calls terminate randomly. Also, gotta get more minutes too since I only have maybe five left. Next time I leave the house, I can give the health department a call and see if there's anything they can do for me. Figures I can't just email them.

Cambion, does your phone have email capabilities?

Nope, it's the most basic prepaid phone. No email, no camera, internet pretty much only works for downloading ringtones and is insanely slow. Uses minutes up even when texts don't actually go through (compared to newer models that won't allow you to send texts because the network is unavailable). Can't count how many minutes I've lost over the years attempting to send a single text. Plus, I accidentally left it at a store and have to reclaim it this weekend, assuming the weather is okay.

I checked out the state health department's website and their only contact info is a phone number. I can only email pa.gov's main site, but not the health department specifically. That, and I think the emails I can send are only for tech support purposes.

I want to call from home because the landline is dependable, but between my mother being retired and her sick moron being here, I have very little privacy and they're gonna be demanding to know why I'm calling the health department. Knowing Mom, she'll do her best to prevent me from receiving Medicaid because it's "welfare insurance" and she'd rather I go without medical care than be on poor people insurance. But that's how she's always been: doesn't want anyone to think we're poor, even though we actually are, and she'd do whatever was necessary to give the appearance of financial stability when she was living paycheck to paycheck and had five figures of credit card debt. I think she wanted me to be on her insurance plan, but it was something like $500 a month extra for me.

Cambion, is there a state legislator office near you? Yes, you can find on the PA Power Port where one is. It is likely the staff there could help you apply for PA Medicaid. I know, I know, it hard to get out of your house but I agree with Jo Jo, as you seem to "shoot down" every suggestion we make. Let Mom do her drama when the Medicaid information comes to the house, its not like she can take it away from you and what more can she do at this point? Throw you out of the house? Then she will have to find somewhere else to do her Tamcaching!

I have the TV on in the background here and just saw Maury Povich doing a PSA for "Get Covered Illinois".

SNORT.

I just looked to try to find a vid of this, couldn't, but up came the 'get covered IL' site - so I clicked on that. And up came the pop up that says - "Safari can't verify the identity of the website getcoveredillinois.gov".

(Safari = Mac browser).

LOLWUT? Safari doesn't like the smell of a gov site? HA.

Both of these things struck me as absurdly funny

Cambion, you need to tell your mother to shove it. There's no reason you should go without access to medical care for her pride. Who would know or care anyway?

Time to cut the apron strings, get insurance, go back to school to get a certification in something practical, and move out.

I understand change can be scary, but comes a time you have to stop making excuses and take responsibility for your own life.

No, you can't get thyroid meds without a doctor visit and a blood test to measure TSH to determine dosage
It is highly dangerous to just take the meds without monitoring the hormone levels

I figured as much, but ya never know. The worst that could happen is I turn hyperthyroid, which would be nice for weight loss. I feel like I said this already, but I don't know where at. I checked out Medicaid and I do qualify, but apparently Blue Cross thinks I can afford $114 a month (cheapest plan available) on my $0 income. So that's no good.

Unfortunately, and I know I've said it before, I'm in a real shit spot right now. No job to pay for insurance, rent, etc. No job experience. No one willing to take a chance on me and hire/train me for anything so I can get experience. No money to go back to college. Don't want to take out more loans when I'm $129K in the hole and going deeper because interest, and I don't know if I could even take out more loans. Not even sure if I could get grants or scholarships with two degrees, and I would need them to consider enrollment. No car to go job hunting, go to health department or even go volunteer so I have something on my resume. Can't take my mother's car out because she'll insist on going with me to bitch about how I'm driving her car wrong. No money to buy my own car or put gas in it - not even a $500 junker.

If I had at least one thing working in my favor, I think I could have been out on my own already. But I got nothin'. I know folks probably have gotten sick of my whining about this, so I think I'll just refrain from talking about joblessness from now on. Short of holding employers at gunpoint and demanding a job, there's not much I can do. I can only play up freelancing and eBay sales so much as work experience, not to mention that my being out of work for about five years isn't gonna look too good either, whether or not it was a choice (it wasn't).

I don't know what I even could be certified in because I'm not good at much, if anything. I figure it would have to be something I have at least a shred of interest in doing so I don't suck at it entirely. Plus, from what I'm seeing, it seems like a lot of certificate programs require a degree and/or experience in the field. One that I see that I might be able to do, that doesn't require prior pharmacy experience and I'd be interested in is a pharmacy technician certification.

I just feel like I'm in an inescapable rut, so I'm not sure why I should bother trying because this is likely the best life is ever going to be for me. Employers are assholes and they won't hire you unless you're fluent in four languages, have 15 certifications, and have 25+ years experience in the field. But, when you have all those things, they still don't hire you because you'd be too expensive to have on the payroll and hire a student for an unpaid internship instead so they don't have to pay for work. Because logic. It's better to have a newb doing shit for less than paying an expert a little more to ensure quality.

The fun part is people assume I don't want a job, and that's not true. I do want one. I just know no one's gonna hire me, so I don't get my hopes up. Personally, I think I have an alright work ethic, and after seven years of going to college against my will and graduating with honors both times, I'd say that's an indication that I'm willing to take on work and get it done (usually well), even if I hate it. My brain won't let me just abandon work; I have to see it through to the end, even if I suck at it. I'm not even all that picky about what kind of work I do... just something I'm capable of doing. Meanwhile, everyone I know breathes down my ass about how I deserve a bazillion-dollar job because I went to school. No, I really don't. I gotta start at the bottom like everyone else. I may not ever even move from the bottom, but right now, the average person seeking employment is lucky if they can reach the bottom and stay there.

At this point, I'm considering just making up certifications/titles to pad my resume. I already lie on it and say I'm a team player and a good people person, so what's a few more lies? Freelance writer = independent journalist. Freelance artist = visual effects manager/coordinator. eBay sales = senior salesperson.

But that's neither here nor there because this is about insurance, not work. At the very least, the health department in my county is relatively close by. Not close enough for me to get there on my own, but closer than I thought.

If you have no rent or car payment, ANY job is better than none. Go from restaurant to restaurant and temp agencies to see who is hiring. Minimum wage is better than being your mother's perpetual child. Honestly, it is time to start taking steps towards being an adult. Your mother also doesn't have any right to know you applied for Medicaid. You MUST start taking steps to get away from her. She sounds nuts but in all honesty, anybody in my house is going to live by my rules so until you are on your own, I don't see how you can dictate that your mother not act like a loon.

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evilchildlessbitch
If you have no rent or car payment, ANY job is better than none. Go from restaurant to restaurant and temp agencies to see who is hiring. Minimum wage is better than being your mother's perpetual child. Honestly, it is time to start taking steps towards being an adult. Your mother also doesn't have any right to know you applied for Medicaid. You MUST start taking steps to get away from her. She sounds nuts but in all honesty, anybody in my house is going to live by my rules so until you are on your own, I don't see how you can dictate that your mother not act like a loon.

I'm going to disagree.

Cambion is an adult and has a right to be treated as an adult. A 14, 15 year old kid should be monitored on car usage - not a grown woman. And the same thing with C's "Tampon Tales". It's too much. Even in someone else's home this is too much.

IMO what Cambion needs to do is to learn how to *stand up for herself*.

And, from here, I will address you, Cambion, directly -

You *do need* to learn how to do this because otherwise? You'll be dealing with the same shit the rest of your life. I *strongly suspect* that your Mom is no where near as batshit nuts as she comes off, either. Because - how could she hold a job? And didn't she have the same job for a long time? Why wasn't she fired?

I'll tell you why - because she's the type who knows when to turn it off and on. Do you really think she checked on her co workers periods? Shouted and yelled at them? If so - she would've been fired. She knows enough to 'tone it down' and knows what she can get away with. She knows she's got you 'demoralized' or beaten down and you will do as she says.

You have to stand up to her. But not yelling - you're going to have to outsmart her. I had to do this with my Mom - who was also kind of nuts. But, as far as I can see not as bad as your Mom. She certainly WAS very overbearing. Instead of going into long boring stories, half of which I don't remember - put it this way - her favorite TV show right now is Judge Judy. I myself cannot stand that insufferable witch and think she's mean and obnoxious. I can see it in the context of a TV show or even as a Judge - but who in the Hell would wanna deal with someone like that IRL? NOBODY. And I will BET CASH MONEY that Judge Judy does NOT act that way with her family or friends. She isn't stupid, she knows better.

My Mom was an over bearing bitch on wheels until she went through Menopause. I got a glimpse of The Old Her the other day when she phoned me up and I had barely said Hello before she RIPPED INTO ME. Why? They have issues at her work. They're getting a new system and going on a "cloud". It's all fucked up, she's aggravated and pissed, she decided to take it out on me.

Instead of yelling right back I said - you don't need to bitch at me, *I* didn't do anything to you. CLICK. Hung up on her. And she called me back and apologized.

Now let me tell you - I have had several discussions with her about this "cloud" - and I explained it to her. And I am in no way a "computer person" really. I am a bit more up to speed, and know what this means anyway. And I did explain to her how it worked, from the surface things I knew. THAT she listened to because she knows I'm a bit more up to date than she is. And as far as I'm concerned - moving financial data onto something like this is abject madness. You (her work) already have your own servers - you should work off of that. Get upgraded, more, servers - you do NOT put any financial data on any "cloud". This is straight up lunacy. Why not just put a sign out front that says WELCOME HACKERS! I even discussed it with my work mates - they agreed with me. WE are locked down so tight here that I have to use the neighbor's wifi (I have our work system at home and that must remain CLOSED.)

So she will listen to me on certain things. Cars, too, because I did study Eng. at school and you all know I'm big into cars. One time she came to see me, had not cleared her car of snow enough, how the rest didn't fall off from MI who knows? Most did blow off (other cars behind you were cursing you, for sure!) - but not on the front by the 'grill'. I told her - YOU HAVE TO CLEAR THAT! The engine has to breathe! You *have to* keep that clear - engine will seize up on you! Same with exhaust pipes. Well, she listened on that too. Probably did double check that with some man at her office - who would be a biz guy who don't know shit about cars - but a few days later she did concede that I was right on that.

Now that could be an example of what I'm saying -
You don't yell, like - WADDAFUCK YOU DOIN! YOU GOTTA CLEAN DAT! WHATTAYA, STUPID?
No, you explain, calmly, and say *why*.

And you stand your ground and don't run from yelling. Nor yell back.

Consider this -
Going to use old TV show characters here ~

Ralph and Alice Kramden. Ralph yells alot, threatens and bullies, but Alice just stands there calmly and says NO Ralph. She is calm, cool, and collected and does not give into his bullying.

Now compare them to Archie and Edith Bunker. Archie yells - and Edith jumps. She rarely contradicts him and scurries off to do as he says. She fears his yelling, she assumes SHE is wrong, and runs to do as he says. Eventually she starts sticking up for herself but mostly because the kids are there who back her up.

Now - should you be fearful Edith, or collected Alice? You should be Alice! She doesn't fall for Ralph's bluster, calls him on it, but also stands her ground, doesn't yell back (engage at their level, which really doesn't solve anything), explains her side calmly, and puts her foot down on what SHE is or is not going to do.

And both of these men (characters) neither is really mean or bad. Both do 'see the light' on issues eventually. The difference is in how others react to them.

Meditate on this. Maybe you could take an "Assertiveness training class". You know what? I bet you can learn it online. Or get library books. And Communications in general. Read up on these things, they WILL help you.

And you NEED to learn this! Because you're going to meet these types again and again and again. Bullies. You need to learn how to deal with them.

You are clearly an intelligent person and all you need to do is apply your intelligence to this realm. Communications. Assertiveness. Having confidence. Learning how to say 'no'. You CAN learn these things!

And your Mom is not as insane as she appears. She wouldn't have been able to keep a job, otherwise. She knows what she can and cannot get away with - and who it will work on. Or, she knows how to push your buttons. Which sounds like being an overbearing obnoxious monster like my Mom's Fave - Judge Judy.

These people probably feel powerless and take it out on those they know they can. THEY never learned good communication skills either.

You can do this! I DID! And my relatives basically "ran my life" until the age of 21. They picked out what school I would go to, and sent me to live with my one Gram in order to do so. Oh no - no dorm or apartment for you! And how could I argue because I was 16 (got into Uni early). I had no leg to stand on. They did not argue with me on my choice of major because a) it's a common occupation in these parts, and b) they didn't really understand it. I was also brow beaten to keep up with Tennis so I could get some scholarships.

By the time I was 18, 20 - because I wanted to go to school in EU - I was getting better at negotiations and they had promised that I *could go* once I finished the first BS. And then - they even tried to back pedal on that! Hey - YOU PROMISED! AND - I AM GOING - because I did get in and I saved my own money too! If I have to go live in a shit hole there - I WILL! I called their bluff. See - by then I had figured how to leverage *their fears* and they threw in the money *they promised* so I wouldn't wind up living in some ghetto.

I reflect back on these things - the immediacy of memory is gone, but I do remember. And now I think - this was EXCELLENT training for me too - FEW people can 'get over' on me and I am not afraid of ANYONE. I can see through bluster and BS, and I'll call you on it. I'll fucking laugh right at you! You don't scare me!

It's a DAMN good thing I figured all this out too because I've had to use it time and time again. In work situations, with men, with friends. If I hadn't put my foot down with my exH - I'd be a MOO right now! I 'stuck to my principles' and left him. There was plenty of familial and peer pressure to breed as well. People REALLY leaning on me!

I left him, I was unemployed, I had no car either - sold my Beamer, and went to Grad School. Moved to the S. Side of Chi for that and everybody thought I was OUT of my MIND! Yeah? Screw you. I know what I have to do. My parents thought I was crazy, and would be shot on the street - yeah, in Hyde Park? (Neighborhood of Chi where UChi is) - uh, NO. That's mondo swanky. Familiarize yourself. The whole of the South Side is not Gang Bangin. Business? Why? But you have a good career? US Mfg is *going away*. I know what I'm doing. There were tears and pearl clutching. But you have so much now - why throw it away? Why not stay with exH? I AM NOT having kids!!!

I'm sure his parents thought I was "Uppity". I did get that sense by how they interacted with me. So? Like I'm going to ruin my life to make them smile at me more. I DON'T THINK SO.

We all have such things. And we are all constrained by things too. Such as for myself - I might like to move - but for the work I'm in I need to stay close to financial centers. OK, do different work. I'm not really sure what I would want to do. I do have some ideas that I am working on. Move to a more harsh climate and I'd have to get a different vehicle. It's all inter connected and you have to puzzle it out. Weigh things out and try to think. We all have such things, various constraints.

We all have these issues. Few people have complete freedom to do anything they want. And even if they do - they have issues too. Look at poor Bobbi Kristina in the coma. Money and fame can't buy happiness either. 21 years old and she tries to kill herself - why? I wish I had that kind of money. But I'd know what to do with it - she didn't. The difference between us is *intelligence*.

Anyway, I'm rambling on here. LEARN about communications and assertiveness! Gain confidence. Go on a diet. Why do I suggest that? Because it's something you *can do* that will make you feel better about yourself and you will see results - it's a fairly easy thing. It will improve your health and sleep too (exercise). This is what I'm doing (and have done before). I too would like to 're invent myself' and get into new things - an easy start to get me rolling is to undertake diet and exercise - I will see results and it will give me a boost. It's also for my health. And also because - one of the things I do want to do is rehab junk houses. Being fit will help me to work on that.

Go out for walks. Go shovel snow. The Super Bowl Blizzard has probably hit you by now!
If your Mom trots after you - walk faster. If she questions why - keep it short and sweet. Gotta get out, be back in 45 minutes. BE VAGUE.

You do NOT owe everybody an explanation of everything you do. And instead of arguing with them - just be vague. It's one thing to try.

What if I told my Mom - I'm thinking of going into real estate? She's cool with that because any money making thing she's cool with.
But let's say hypothetically she was a paranoid screecher and started yelling: YOU'LL LOSE ALL YOUR MONEY YET! YOU'LL GO BROKE! I ain't supporting you! Why should you torment me this way?

That would be emotional black mail off of fear - I thank Jah my Mom is not THAT bad. And if she were? First of all I'd keep specifics to myself. Second of all I'd CALMLY remind her - um, Mom, you do know I have a biz degree, right? From that place you were horrified about me going to? And I'm just learning right now. Calm down please. Everything I have got so far has worked out. Right? Relax. I'm not planning on trying to obtain crazy loans to buy the Taj Mahal or anything, jeez.

And oddly enough, using that as example, the one *construction guy* who I get to work on my house - I talk to him about my plans and HE tries to talk me out of them! OK, Dad. LOL. And it's crazy too because - uh - HELLO! Anything I buy means MORE WORK FOR YOU!

Parents and older people are more fearful IMO. And yes I AGREE that one should not be reckless - but neither can you live in abject fear and do nothing.

Learn how to communicate. And don't let their fears get you down.

I have faith in you Cambion!
I know you can do it!

Naw, she's been well trained by the narcissists that rule that house. Learned helplessness can't be got over by wishing for something else. http://en.Wikipedia.org/wiki/Learned_helplessness
Seeking medical care would be the first step, low thyroid produces low motivation and depression, exacerbating the situation.

Cambion -

I hope you liked my little (not so ) little pep talk I meant this from a positive perspective. I'm not trying to tell you what to do or what to think.

Maybe I am yet somewhat of a hopelessly optimistic person I have had plenty of shit thrown at me too, no worries. As well as 'plans blocked' - I and plenty of others here do understand how that is.

Now, I had a couple of other thoughts -

You need 'one thing'? You do HAVE - one thing - the internet. Start there. Don't forget - you have yourself also.

The other thing is this news story I saw about a book that really struck me as sim to what I was trying to say above -

Here's a link to that story, the author is interviewed and talks about it -

http://wgntv.com/2015/02/03/focus-on-family-stopping-the-cycle-of-self-sabotage/

Both the written article and the vid start out a bit like 'yeah another self help thing' - but keep reading and watch the vid if you can. Toxic people and situations are addressed too.

I like what the Author is saying and agree. It's very sim to what I was trying to say. Watch it. Get the book. Libraries will have it.