Cherie Kraus: More research needed on health-care options |

Cherie Kraus: More research needed on health-care options

I am extremely confused and concerned when I read letters like the one today from Betsy Hunter. She states that her daughter cannot afford health insurance because her employer health plan is over $1,400 a month.

She goes on to say that a health plan through the ACA is “not much different”. Yet her daughter has accumulated over $10,000 in uncovered medical expenses, apparently beyond her ability to pay.

According to the Covered California website, a 33-year-old adult and an 11-year-old child, with an annual income of $30,000, would qualify for a monthly premium of $125 for a health plan, with an estimated annual out-of-pocket of $2,900.

This same adult and child, with an annual income of $50,000, would qualify for a plan with a monthly premium of $375 and $8,700 estimated annual out-of-pocket. But according to Ms. Hunter’s letter, her daughter has “seven major birth defects.” Per the Covered California website, persons with a qualifying disability are eligible for Medi-Cal.

Perhaps Ms. Hunter’s daughter has not fully researched the services available to her. The Covered California website lists four organizations, in our area, that have Certified Enrollment Counselors. This service is free.

Cherie Kraus

Grass Valley

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