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Nearly free? I’d tell you to tell that to my dad, but he passed away after getting thoroughly drained of most of his savings thanks to his “nearly free” health care while dying of cancer.
Okay, here’s the data-- Family of 4. Male, age 30. Female, age 30. Male, age 10. Female, age 10. Saline County, Kansas. Annual household income $32,500 (just over the poverty level). The cost of health insurance is zero and the maximum out of pocket for the entire family for the full year is $4k. Click here for a screenshot.
Second scenario, same information, except the household income is $40,000 (just below 125% of poverty). Click here for a screenshot. You may notice the rates are the same!
Third scenario, same information, except the household income is $48,000 (just below 150% of poverty). Click here for a screenshot. Still very affordable!
I am sorry for your dad who died of cancer. If he had bad advice, I wish he got better advice when looking for his health insurance. The truth is, without Medicaid, most families can still get very affordable healthcare.