The loss of my job in January was bad enough, but it was insult to injury after I got the message from my states ACA program that my insurance premiums were going up by 160%+. It worked out to be what I managed to scrape together and save from refinancing my only tangible asset, changing my insurance and phone coverage. I wasn’t worried. I began to believe the fear mongering by the press about how the ACA subsidies were expiring at the end of the year were going to double or triple our premiums. It made 160% not as horrible as it could be. Fast forward to the beginning of this month and I checked to make sure my autopayment cleared my card and the cost was $1,500+. That was a 300%+ jump in the premium., or close to 500% jump total. I’m still shocked…terrified…bewildered…dumbfounded…pissed off.
The bureaucratic two-step I’ve been doing to get my money back and set up the state funded medical program has been intense, confusing and frustrating. I’ll admit, I do have a mental block when it comes to stuff like this, it’s a lot like figuring out taxes for me. I hate it and need it and it’s written in legal double speak and I allow it to confuse me. I try to push through, but by the time I get to the end of the paragraph I can’t remember what it was talking about. I’m assuming it’s willful ignorance, but I don’t know how disengage my will. I’ve filed a complaint to get my money back and I’ve set up my state funded medical which will be available to me 1 April 2026.
Not a moment too soon, either. I thought I was suffering from sinus issues because of my nose clogging and my face hurting due to the pretty, pretty trees in bloom but it turns out it was more. I didn’t check to see if it was COVID because it didn’t go into my chest. But this messy, goopy, sticky, blood stained mush came out of my nose when I could get air through it to breathe. I power-washed my sinuses regularly with my battery-operated neti-pot which I think saved me. If I were working, I would have taken OTC meds and powered through but it was nice to stay in bed, literally for days and sleep and allow my body to heal. Today is my first day out of my room and I’ve been off all meds since Monday. As much as I love Nyquil and Dayquil they don’t do my body any good. So, yesterday my body forcefully ejected the unused or unnecessary portions of the meds from my body and, honestly, I feel five pounds lighter.
What made the recovery a little easier was knowing I could take my state funded medical card to an urgent care or emergency room and get help if I needed it. It’s just a fact of life, when you don’t have insurance even a benign common cold creates the most uncommonest of scenarios in your mind about death or drowning in debt. People who are against the Affordable Care Act, I believe, have never had to decide to wait out chest pains and hope it’s not a heart attack or go to the emergency room and not be able to cover rent. I have. And I have to say, jumping through the fiery hoops of bureaucracy is better than betting your life to make rent.


