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The Fashionable Housewife

The Fashionable Housewife

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How Low-Budget Families Secure Health Coverage

Modified on August 4, 2022 at 7:28 PM

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How Low-Budget Families Secure Health Coverage

Even with expanding options for health insurance, it’s still hard for some families to get the coverage they need. Coverage is important for many reasons. You need it in order to deal with any health issues that might arise in the future, but your family also needs it in order to keep up with preventative health that can possibly avoid health issues.

Not only does everyone deserve to have their health protected but health insurance can protect the family budget from high medical bills. Families that operate with low budgets definitely need to keep expenses down, so finding and securing health coverage is difficult but not impossible.

How to Get Low-Budget Health Insurance

According to The Balance, the average person has health insurance premiums of nearly $650 per month. That can leave a lot of people squeezed to get health insurance. What is a low-budget family to do?

Medicaid is often an option. It’s the cheapest kind of health insurance out there. The coverage is often free or low in cost to those who meet the qualification requirements.

Your next option might be the Affordable Care Act. It’s also known as the ACA. Through it, there are tax subsidies you can access for cheaper coverage through an exchange. That’s known as the Health Insurance Marketplace. ACA plans get managed state by state. Specific plans have their own rules and coverage, but low-budget families can use tax subsidies to get comprehensive care for little to no cost to themselves.

How much your ACA subsidy will be is based on your household income. Your income should be between 100% and 400% of the FPL or Federal Poverty Level.

Short-term insurance is always possible and often the cheapest option. However, they tend to be very limited in what they cover. You can save money on premiums but still wind up with quite a bit of medical bills through these plans. These plans might give you coverage until you can enroll for Medicaid or something through the ACA. Open enrollments for both usually happen towards the end of the calendar year unless you have a qualifying event.

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Something to Know When You Or Loved Ones Turn 65

When you or a member of your household turns 65, you are likely to become eligible for Medicare. This is a health insurance option that’s federally funded. It’s generally available for anyone 65 and older, younger people with certain disabilities, and people dealing with ALS or permanent kidney failure. One thing you’ll need to know is the difference between AEP and OEP when looking to enroll in a plan.

AEP

AEP is an acronym for the Medicare Annual Enrollment Period. This usually happens from October 15 until December 7 each year. In these periods, anyone already receiving Medicare benefits is able to make changes to the coverage they currently get. You can drop or add specific elements to the plan. You can also add supplemental plans that address gaps in your coverage.

Medicare typically releases annual plan changes each September. This gives you time to assess your current needs and look around for new options to adjust your Medicare coverage as need be.

OEP

The OEP is different than the AEP. The Open Enrollment Period is quite different. This usually runs from January 1 until March 31. It’s when someone in a Medicare Advantage Plan is able to make changes to their plan. You can change from one Advantage plan to a different one, or you can change your enrollment from your Advantage listing back to the original Medicare.

You only get to make a single change to the benefits you get. Think things over before using the OEP because of this. Otherwise, you have to wait for the AEP unless you qualify for special circumstances.

Why Your Family Needs Health Insurance

A growing number of people get sick and require medical attention for many reasons. These might include poor nutrition, busy schedules, and sedentary lifestyles. This isn’t the case with every family, however, as there can also be local environmental factors, genetic complications, and just stress. Also, medical costs keep going up, often outpacing incomes.

  1. Add New Family Members Easily: Family plans make it simple to add new members if there are births in your household.
  2. Cover the Whole Family: A single plan can cover your whole family and maybe even extended family. Comprehensive health insurance can simplify making sure everyone you love is protected at the same time.
  3. Everyone Is Covered Well: With a family policy, the full amount of the insurance can be applied to one person if they’re the only one sick. Every family member can have high-level coverage.
  4. Maternity Coverage: Whether you plan on adding more members to your family or it just happens, maternity coverage makes it possible to cover related expenses.
  5. Pick Your Coverage Level: The average family of four people can face $28,000 in annual medical costs. Health insurance lets you pick a level that helps you afford your family’s doctor and hospital bills.
  6. Premiums Get More Affordable: Paying for a family insurance plan means that premiums are more affordable than paying for individual policies for everyone. That saves you money.
  7. Tax Deductions: Buying a family medical plan might be something you can deduct from your taxes.

Make Sure You Are Covered

However you do it, be sure you and your family are covered. There are enough options and assistance out there that nearly every household can get affordable health insurance if they look hard enough.

The tax penalties originally introduced with the Affordable Care Act might have been rolled back, but the real hazard in not having health insurance is the medical bills you’ll inevitably face when something does go wrong. Many uninsured people put off going to the doctor until a time when their medical bills will wind up being much higher, even if they get the treatment that heals them.

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Worried About Buying Online Health Insurance Policy? Read ThisWorried About Buying Online Health Insurance Policy? Read This 3 Steps To Affordable Healthcare Coverage3 Steps To Affordable Healthcare Coverage How To Choose The Best Insurance Provider For Health CoverHow To Choose The Best Insurance Provider For Health Cover 3 Things I Wish I Knew About Health Insurance Plans For Your Children3 Things I Wish I Knew About Health Insurance Plans For Your Children

Posted By The Fashionable Housewife
on August 4, 2022 at 7:28 PM
Filed Under: Health & Fitness
Tagged With: health insurance, health insurance policy, medical center, medicare

About The Fashionable Housewife

Sarah-Jean Ballard is the Editor in Chief of The Fashionable Housewife blog and Founder of Fashionable Media. Married to a sexy Molecular Biologist, housewife, mom to 5, homeschooler, Certified Personal Nutritionist and entrepreneur who's mission is to help moms just like you look and feel GREAT! Other interests include dancing, yoga, positive intactivism, natural birth and breastfeeding support, babywearing, paleo & gluten-free cooking, and promoting an overall healthy lifestyle to all.

Disclaimer

The Fashionable Housewife is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for blogs and websites to earn advertising fees by advertising and linking to Amazon.com. We also participate in various other affiliate programs, and we sometimes get a commission on purchases made through our links. There is no extra cost to you! For more info, please see our Disclosure & Privacy Policy.

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Sarah-Jean Ballard

Hi! I’m Sarah-Jean. I’m a Christian, the wife of a handsome Molecular Biologist, and the homeschooling mother of 5 beautiful kids!

I enjoy homesteading, reading, writing, cooking, baking, crafting, home decorating, Xtend Barre, and of course, fashion!

This blog is a place for me to share how we live and what I love most. I’m on a mission to help busy moms like you, be fashionable too! Read More…

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𝕊𝕒𝕣𝕒𝕙 | Fashionable Homemaker & Mom of 5
Looking at pictures of my last birth makes me grie Looking at pictures of my last birth makes me grieve my baby in Heaven that I just lost a few weeks ago. 

Knowing all the firsts we won’t be getting. All the newborn snuggles, that new baby smell, the joy of breastfeeding, it’s all gone. Slipped through my fingers in a moment, for no reason. 

No one thinks it will ever happen to them. Nothing prepares you for the loss of your child and no one can fully understand and appreciate the intense level of grief and pain until it happens to you. And if you do not understand this kind of grief, consider yourself very, very blessed and fortunate. 

Sometimes being open to life, also means being open to loss. 💔

#miscarriage #miscarriagesupport #miscarriageawareness #lossmom
READ this post before you LIKE it. 💔💔💔 A READ this post before you LIKE it. 💔💔💔

A few weeks ago, we were planning to announce that baby #6 would be joining our crew in January 2023, but instead we've been processing the death of our beloved child... 

At our 20 week anatomy scan, when we were joyfully expecting to see what our little babe looked like, we were met the words that will haunt us forever - "We can't find a heartbeat."

Two days later, we found ourselves in a foreign environment, after 5 beautiful homebirths, naturally delivering our stillborn son in a hospital. 

Dylan Marinus Ballard was born on August 31st, (our first son's birthday) at 6:43pm and weighing only 7.5 oz. 

Tearfully and filled with grief beyond words, we had to say hello and goodbye at the same time. Our beautiful son. 

Seeing his face, holding his tiny body, and admiring his little toes that looked just like daddy's was just a glimpse into the miracle of life that God allows us to partake in. When you fully realize the sanctity of human life, it makes it even harder to say goodbye. Not being able to take my baby home with me was the most gut wrenching, heartbreaking pain imaginable. It is a pain unlike all others that only mothers who have lost a child can even begin to understand. 

The hardest part of losing a child, is living everyday afterwards. It's such a devastating loss, a loss so unimaginable, that you have no idea how you will get through each day or survive the grief that is in your heart. No matter what age a child is, a parent's heart is forever tied to that child and there's nothing that will break that tie, including the passing of time. That's the beauty of unconditional love. 

Our only consolation is knowing that our little saint is in the loving arms of Jesus now. We look forward to meeting him in Heaven someday.

📷 birth photography by Melissa Lee Photography

#griefjourney #griefandloss #miscarriage #miscarriageawareness #griefawareness #griefislove #itsokaynottobeokay #largefamily #largefamilymom #bigfamily #bigfamilylife #lossmom #pregnancyloss #momlife #pregnancylossawareness #stillbirth #stillborn #stillbornstillloved #stillbornawareness #babyloss #miscarriagemomma #bereavedparents #lossmoms
Some of my favorite fall eats here! 😋 What ar Some of my favorite fall eats here! 😋 

What are your favorite fall comfort foods???

#momlife #homemaker #octobervibes #feelslikefall
Need an easy solution for dinner but don’t want Need an easy solution for dinner but don’t want fast food? @wildgrainbox delivers bake-from-frozen breads, pastries, and fresh pasta right to your door!

Clean ingredients, real sourdough, artisanal pastries, hand cut fresh pasta, eco friendly shipping, and they support small bakeries! 👩🏼‍🍳

Every item is freezer to table in 25 minutes or less so you can enjoy homemade quality food, FAST. I whipped up a loaf of sourdough bread and delicious pasta with marinara sauce in under 30 minutes for me and my husband to enjoy a little date night at home. It was like going to a fancy Italian restaurant, but we go to eat in our pajamas!

We love that Wildgrain is passionate about delivering slow-fermented sourdough bread‘s, fresh pasta, and artisan pastries directly to your door and I love that they are local to me! 

WANT TO TRY IT?! The first 50 people to use my coupon code and link can get $30 off their first box PLUS free croissants in every box! 

Use coupon code FASHIONABLEWIFE to snag this deal QUICK! 💃🏼

LlNK in bio and in stories! 🛒

#momlife #homemaker #mywildgrain #datenightideas
Introducing Caraway’s most requested products, t Introducing Caraway’s most requested products, the NEW Mini Fry Pan & Mini Sauce Pan!!! 

By popular demand, they now have miniature versions of their two best-selling À La Carte pieces, now in compact and cute sizes!! 

These are designed for cooking smaller portions and are a perfect complement to your current Caraway cookware collection. 

🥳Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link in my bio! 🥳

#momlife #homemaker #homelifestyle #kitcheninspo
What better way to welcome fall than with @caraway What better way to welcome fall than with @caraway_home latest products, the Mini Fry Pan & Mini Sauce Pan!!! 

By popular demand, they now have miniature versions of their two best-selling À La Carte pieces, now in compact & cute sizes. These are designed for cooking smaller portions and make the perfect complement to your current Caraway collection. 

Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link! 🛒

⁣LlNK is in my bio and stories! 💃🏼 Or use code FASHIONABLEWIFE-MINI22 
.⁣
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#cottageliving #decor #decoration #farmhouselove #hgtv #homedesign #interior #interiordecor #interiorstyling #kitchendesign #kitchendiner #kitcheninspo #kitchenremodel #kitchenrenovation #kitchensofinstagram #magnoliahome #modernfarmhouse #modernfarmhousestyle #neutralabodes #neutraldecor #neutralhome #neutralkitchen #neutralstyle #neutraltones #newbuild #newbuildhome #newbuildjourney #quartzworktops #shakerkitchen #whitekitchen
Can you imagine a more beautiful thing?! I can’t Can you imagine a more beautiful thing?! I can’t! 🤣

My son is loving our @treasuresfromjennifer calendar and keeping track of the days now. He keeps telling me how many days it is until the first day of fall rather than asking me 900 times “when is it going to be fall, mama?!” 😜

Do you have a calendar or weather board in your home for your children? 

#homeschoolmom #homeschoolroom #homeschoollife #homeschoollookslikethis
Anybody else excited about apple picking season?! Anybody else excited about apple picking season?! 🍎 

When September rolls around, you’ll find us doing fun fall-themed homeschool stuff, decorating the house for fall (yes that’s a family affair!) and going apple picking!!!

What’s your favorite thing about September?! 

#septembervibes #fallinnewengland #fallvibes #applepickingseason #fallinnh #newenglandfall #newenglandlife #newhampshirefall #appleorchards
Introducing Theology of Home III: At the Sea 🌊 Introducing Theology of Home III: At the Sea 🌊 

This is the newest release in the amazing book series by @carrie.gress and @noellemering from @tan_books !! 

A must-have for homemakers, At The Sea draws from literature, mythology, and scripture to show readers the rich connections between the sea and mystery, recreation, yearning, and joyful reunions.

Within these pages you’ll find inspiration for home, womanhood, and family. Learn more about water in Scripture, Our Lady as Stella Maris, and more. This book is beautifully laid out and includes breathtaking photography that will capture your heart. 

It would make a beautiful gift or a lovely addition to your book collection. 

Use the TAN Books link in my bio to shop and use ✨coupon code RAISINGWILD-15 for 15% off!✨

#fashionablewife #fashionablehome #homemaker #homemakerlife #homedesignideas #homedecorations #theologyofhome #homeishere #domesticchurch #tradcat #bookstagram #bookshelf

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Looking at pictures of my last birth makes me grie Looking at pictures of my last birth makes me grieve my baby in Heaven that I just lost a few weeks ago. 

Knowing all the firsts we won’t be getting. All the newborn snuggles, that new baby smell, the joy of breastfeeding, it’s all gone. Slipped through my fingers in a moment, for no reason. 

No one thinks it will ever happen to them. Nothing prepares you for the loss of your child and no one can fully understand and appreciate the intense level of grief and pain until it happens to you. And if you do not understand this kind of grief, consider yourself very, very blessed and fortunate. 

Sometimes being open to life, also means being open to loss. 💔

#miscarriage #miscarriagesupport #miscarriageawareness #lossmom
READ this post before you LIKE it. 💔💔💔 A READ this post before you LIKE it. 💔💔💔

A few weeks ago, we were planning to announce that baby #6 would be joining our crew in January 2023, but instead we've been processing the death of our beloved child... 

At our 20 week anatomy scan, when we were joyfully expecting to see what our little babe looked like, we were met the words that will haunt us forever - "We can't find a heartbeat."

Two days later, we found ourselves in a foreign environment, after 5 beautiful homebirths, naturally delivering our stillborn son in a hospital. 

Dylan Marinus Ballard was born on August 31st, (our first son's birthday) at 6:43pm and weighing only 7.5 oz. 

Tearfully and filled with grief beyond words, we had to say hello and goodbye at the same time. Our beautiful son. 

Seeing his face, holding his tiny body, and admiring his little toes that looked just like daddy's was just a glimpse into the miracle of life that God allows us to partake in. When you fully realize the sanctity of human life, it makes it even harder to say goodbye. Not being able to take my baby home with me was the most gut wrenching, heartbreaking pain imaginable. It is a pain unlike all others that only mothers who have lost a child can even begin to understand. 

The hardest part of losing a child, is living everyday afterwards. It's such a devastating loss, a loss so unimaginable, that you have no idea how you will get through each day or survive the grief that is in your heart. No matter what age a child is, a parent's heart is forever tied to that child and there's nothing that will break that tie, including the passing of time. That's the beauty of unconditional love. 

Our only consolation is knowing that our little saint is in the loving arms of Jesus now. We look forward to meeting him in Heaven someday.

📷 birth photography by Melissa Lee Photography

#griefjourney #griefandloss #miscarriage #miscarriageawareness #griefawareness #griefislove #itsokaynottobeokay #largefamily #largefamilymom #bigfamily #bigfamilylife #lossmom #pregnancyloss #momlife #pregnancylossawareness #stillbirth #stillborn #stillbornstillloved #stillbornawareness #babyloss #miscarriagemomma #bereavedparents #lossmoms
Some of my favorite fall eats here! 😋 What ar Some of my favorite fall eats here! 😋 

What are your favorite fall comfort foods???

#momlife #homemaker #octobervibes #feelslikefall
Need an easy solution for dinner but don’t want Need an easy solution for dinner but don’t want fast food? @wildgrainbox delivers bake-from-frozen breads, pastries, and fresh pasta right to your door!

Clean ingredients, real sourdough, artisanal pastries, hand cut fresh pasta, eco friendly shipping, and they support small bakeries! 👩🏼‍🍳

Every item is freezer to table in 25 minutes or less so you can enjoy homemade quality food, FAST. I whipped up a loaf of sourdough bread and delicious pasta with marinara sauce in under 30 minutes for me and my husband to enjoy a little date night at home. It was like going to a fancy Italian restaurant, but we go to eat in our pajamas!

We love that Wildgrain is passionate about delivering slow-fermented sourdough bread‘s, fresh pasta, and artisan pastries directly to your door and I love that they are local to me! 

WANT TO TRY IT?! The first 50 people to use my coupon code and link can get $30 off their first box PLUS free croissants in every box! 

Use coupon code FASHIONABLEWIFE to snag this deal QUICK! 💃🏼

LlNK in bio and in stories! 🛒

#momlife #homemaker #mywildgrain #datenightideas
Introducing Caraway’s most requested products, t Introducing Caraway’s most requested products, the NEW Mini Fry Pan & Mini Sauce Pan!!! 

By popular demand, they now have miniature versions of their two best-selling À La Carte pieces, now in compact and cute sizes!! 

These are designed for cooking smaller portions and are a perfect complement to your current Caraway cookware collection. 

🥳Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link in my bio! 🥳

#momlife #homemaker #homelifestyle #kitcheninspo
What better way to welcome fall than with @caraway What better way to welcome fall than with @caraway_home latest products, the Mini Fry Pan & Mini Sauce Pan!!! 

By popular demand, they now have miniature versions of their two best-selling À La Carte pieces, now in compact & cute sizes. These are designed for cooking smaller portions and make the perfect complement to your current Caraway collection. 

Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link! 🛒

⁣LlNK is in my bio and stories! 💃🏼 Or use code FASHIONABLEWIFE-MINI22 
.⁣
.⁣
.⁣
.⁣
.⁣
#cottageliving #decor #decoration #farmhouselove #hgtv #homedesign #interior #interiordecor #interiorstyling #kitchendesign #kitchendiner #kitcheninspo #kitchenremodel #kitchenrenovation #kitchensofinstagram #magnoliahome #modernfarmhouse #modernfarmhousestyle #neutralabodes #neutraldecor #neutralhome #neutralkitchen #neutralstyle #neutraltones #newbuild #newbuildhome #newbuildjourney #quartzworktops #shakerkitchen #whitekitchen
Can you imagine a more beautiful thing?! I can’t Can you imagine a more beautiful thing?! I can’t! 🤣

My son is loving our @treasuresfromjennifer calendar and keeping track of the days now. He keeps telling me how many days it is until the first day of fall rather than asking me 900 times “when is it going to be fall, mama?!” 😜

Do you have a calendar or weather board in your home for your children? 

#homeschoolmom #homeschoolroom #homeschoollife #homeschoollookslikethis
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