I quit! Now... what am I going to do about health care?
Yesterday was my last day at work. It's a complicated story about "not giving 100%" and needing to spend way more of my percentages here at home on my kids. I'm starting a new freelance career that will pay a lot less than my former career, and naturally, includes only the benefit of complete freedom from externally-imposed responsibilities. Health insurance and maternity leave and retirement? I'm hoping my good, nourishing cooking and royalties from my soon-to-be-pitched book will cover me. (It's good to think positive.)
I can't afford Cobra and I think my income will be too high to qualify for the Oregon Health Plan (though maybe I'll be close). We get supplemental insurance through the Army Reserve's Tricare program for $82 a month but I doubt it'll help me without the primary insurance. I'm considering just paying out-of-pocket for services we need (like well-baby visits and the occasional checkup for Jonathan and myself, plus dental visits). Compared to the retail price of health insurance for my family -- between $400 and $1000 a month, plus deductibles and co-pays -- a few hundred here and there doesn't seem that bad. And honestly: I'll bet my out-of-pocket costs with employee-sponsored United Healthcare were at least $2000 in the past year.
Of course, that's assuming that I don't have another emergency like the one where Monroe ended up riding the ambulance to get stitches in his eye. And I have three extremely energetic and risk-loving boys. When I tweeted about my quandary over insurance, I found a few other mamas responded back almost immediately; they, too, were foregoing insurance due to great expense. We've talked before about insurance providers and insurance for pregnant mamas (thank goodness that's not a factor for me right now). While this is a great time to get very, very angry over the state of our nation's health system (John McCain accused Barack Obama's plan of being like England's -- I thought to myself, if only!) -- it's also a time to evaluate the options in reality. For those of you who don't get, or can't afford, insurance through your work or your spouse's work: What do you do?
Update: I wrote a post on WalletPop about "The Gilbert Plan," the way health care policy should be. What do you think about that?