Obamacare is going to cause me to go on food stamps or in a divorce *UPDATED*
i have 3 jobs (teacher associate, nursing home, mary kay consultant) dh has one job, we have 3 kids. We live in a small town in rural Iowa (which we love) without many job opportunities.
My husband switched jobs because his other one was causing to much stress leading him to have health problems.. Unfortunately, his new job (small business) didn't come with insurance, just extra money to put towards insurance.. Not a big deal till I was denied insurance for "pre existing conditions" (all related to my pregnancies). We went a year with out insurance, my older two are on their dads insurance, my youngest went on Hawkeye insurance (insurance for kids, where parents pay according to income). In the year we didn't have insurance, I only paid $160 dollars out of pocket to see my Gyno once and chiropractor twice, luckily we had no other health issues that year.
Now, it is mandatory we have health insurance, which I can understand the need for insurance, it is very important.. But my family cannot afford $600 a month. I am on a very tight budget, we have no extras except internet and that is because I take college classes, I plan menus out and spend roughly $500 a month on food and Walmart items..
Every time it's time to pay insurance my dh and I argue, even though I try really hard to not let money issues get to me..
We've talked about Dh getting second job but then we wouldn't always have someone to watch the kids on weekends since I already work and it doesn't pay to work if I am paying sitter..
Things that keep coming up;
Yes, DH switched because he was having anxiety attacks and having to wear a heart monitor (sorry, that we thought his life was more important than money)
When he switched, we didn't realize that the insurance company would deny me coverage (before the new law took affect). I honestly only ever went to the Dr. for my pregnancies, the chiropractor to help headaches, and to get the very occasional anitbiotic for winter illnesses..
Yes, in Iowa we have a pretty low cost of living, and food cost is lower than many other places, however, our incomes are also a lot less than many other states.
I am going to college to improve the opportunities that are available to me, but I already make a lot more than regular teacher associates because I work with children who have SEVERE behavioral disorders and I also work for a private company, I do not have a state job that gets benefits like some teachers do.
Our expenses include:
Health Insurance $600 (for dh and I)
Groceries/Household items $500-600 (family of 5)
Daycare $300-500 (depending on how often my mom works, she helps with babysitting)
Car- $ 300
Car Insurance $85 (two cars)
Life Insurance $30 (for the kids)
Cellphone $165 (two phones)
School Lunches $40
Other debt we are paying off (credit card/hospital) $200
*I get $200, a month for child support for 2 kids, we have shared custody so their dad sees them often, he also has a family/house to support and quite frankly I don't want his money*