# Healthcare **URL:** \ **Category:** In My Humble Opinion\ **Created:** [June 28, 2014, 5:40pm UTC](https://boards.straightdope.com/t/healthcare/691873 "2014-06-28T17:40:22Z")\ **Posts on this page:** 12\ **Page:** 1
**Author:** ![Darth\_Hamsandwich](https://avatars.discourse-cdn.com/v4/letter/d/4bbf92/32.png) [@Darth\_Hamsandwich](https://boards.straightdope.com/u/Darth_Hamsandwich)\ **Post date:** [June 28, 2014, 5:40pm UTC](https://boards.straightdope.com/t/healthcare/691873/1 "2014-06-28T17:40:22Z")
I have a real dilemma here. My girlfriend and I are struggling to provide proper healthcare for our three girls. She is a bookkeeper at a company that has been recently been doing major layoffs. I am an IT guy who was laid off after the company got bought out. I’m a student now stocking shelves at a supermarket just to make ends meet. This morning my girlfriend told me, “Well, I just lost the health insurance for the three girls.” Apparently, she exceeds the poverty limit. She owns a house but is now terrified that she can’t pay for it. She was just on the Obamacare website and the plans that are available are not affordable. We live in Northern NJ. Any advice would be great. ---
**Author:** ![Mdcastle](https://avatars.discourse-cdn.com/v4/letter/m/958977/32.png) [@Mdcastle](https://boards.straightdope.com/u/Mdcastle)\ **Post date:** [June 28, 2014, 5:43pm UTC](https://boards.straightdope.com/t/healthcare/691873/2 "2014-06-28T17:43:49Z")
First Question- I assume you’ve checked into how much, if any, subsidy you can get for the Obamacare plans? ---
**Author:** ![Darth\_Hamsandwich](https://avatars.discourse-cdn.com/v4/letter/d/4bbf92/32.png) [@Darth\_Hamsandwich](https://boards.straightdope.com/u/Darth_Hamsandwich)\ **Post date:** [June 28, 2014, 5:44pm UTC](https://boards.straightdope.com/t/healthcare/691873/3 "2014-06-28T17:44:58Z")
I don’t know. How would I find that out? ---
**Author:** ![Hello\_Again](https://avatars.discourse-cdn.com/v4/letter/h/85e7bf/32.png) [@Hello\_Again](https://boards.straightdope.com/u/Hello_Again)\ **Post date:** [June 28, 2014, 5:48pm UTC](https://boards.straightdope.com/t/healthcare/691873/4 "2014-06-28T17:48:58Z")
[http://www.njfamilycare.org/default.aspx](http://www.njfamilycare.org/default.aspx) “–Children 18 and under will continue to be eligible with higher incomes up to 350% FPL ($83,475 for a family of four). Parents still need to renew the coverage each year. –Parents/Caretaker Relatives with income up to 133% FPL ($31,721 for a family of four) must have tax dependent children in their household in order to be eligible under this category. This is a new Medicaid Expansion eligibility group. Dependent children in the household must be insured also.” > **[Get 2023 health coverage. Health Insurance Marketplace®](https://www.healthcare.gov)** > > Get 2023 health coverage. Health Insurance Marketplace® ---
**Author:** ![Darth\_Hamsandwich](https://avatars.discourse-cdn.com/v4/letter/d/4bbf92/32.png) [@Darth\_Hamsandwich](https://boards.straightdope.com/u/Darth_Hamsandwich)\ **Post date:** [June 28, 2014, 5:51pm UTC](https://boards.straightdope.com/t/healthcare/691873/5 "2014-06-28T17:51:00Z")
Thanks, but that’s what we were just thrown off of. Our family is at that weird poverty/non-poverty level that was breached. ---
**Author:** ![Hello\_Again](https://avatars.discourse-cdn.com/v4/letter/h/85e7bf/32.png) [@Hello\_Again](https://boards.straightdope.com/u/Hello_Again)\ **Post date:** [June 28, 2014, 5:53pm UTC](https://boards.straightdope.com/t/healthcare/691873/6 "2014-06-28T17:53:06Z")
> [@Darth\_Hamsandwich](#): > > Thanks, but that’s what we were just thrown off of. Our family is at that weird poverty/non-poverty level that was breached. NJ family care gives coverage to children at 350% of the federal poverty level. Are you saying your lady friend makes $83,000+ a year? (which is the amount she would have to make for her children not to qualify) ---
**Author:** ![Darth\_Hamsandwich](https://avatars.discourse-cdn.com/v4/letter/d/4bbf92/32.png) [@Darth\_Hamsandwich](https://boards.straightdope.com/u/Darth_Hamsandwich)\ **Post date:** [June 28, 2014, 6:00pm UTC](https://boards.straightdope.com/t/healthcare/691873/7 "2014-06-28T18:00:21Z")
Accoording to the paper I’m reading (county of Sussex) “This action has taken place because: you are denied because your income is over the NJFC standards at the county level for your children.” > [@](#): > > Parents/Caretaker Relatives with income up to 133% FPL ($31,721 for a family of four) must have tax dependent children in their household in order to be eligible under this category. This is a new Medicaid Expansion eligibility group. Dependent children in the household must be insured also. [http://www.njfamilycare.org/income.aspx](http://www.njfamilycare.org/income.aspx) ---
**Author:** ![Darth\_Hamsandwich](https://avatars.discourse-cdn.com/v4/letter/d/4bbf92/32.png) [@Darth\_Hamsandwich](https://boards.straightdope.com/u/Darth_Hamsandwich)\ **Post date:** [June 28, 2014, 6:24pm UTC](https://boards.straightdope.com/t/healthcare/691873/8 "2014-06-28T18:24:34Z")
The company she works for just lost their health care due to this new Obama Care. The new plans that were put in place are age based by person and will cost her an obscene amount of money per month to cover herself and her three children. Her yearly renewal application was sent in for NJ Family Care and enclosed she included all of the costs to her with what the benefits were that her company was now to offer. ---
**Author:** ![Hello\_Again](https://avatars.discourse-cdn.com/v4/letter/h/85e7bf/32.png) [@Hello\_Again](https://boards.straightdope.com/u/Hello_Again)\ **Post date:** [June 28, 2014, 6:46pm UTC](https://boards.straightdope.com/t/healthcare/691873/9 "2014-06-28T18:46:32Z")
> [@Darth\_Hamsandwich](#): > > The company she works for just lost their health care due to this new Obama Care. The new plans that were put in place are age based by person and will cost her an obscene amount of money per month to cover herself and her three children. Her yearly renewal application was sent in for NJ Family Care and enclosed she included all of the costs to her with what the benefits were that her company was now to offer. HER health care was cancelled. to get healthcare FOR HER, she is limited to 125% of FPL. HER CHILDREN are entitled to healthcare if she makes less than 350% of FPL, which is $83,000 for a family of 4. You quote the part that relates to healthcare for HER. Her children are entitled to coverage, separately from her. [http://www.njfamilycare.org/who\_eligbl.aspx](http://www.njfamilycare.org/who_eligbl.aspx) “Children 18 and under will continue to be eligible with higher incomes up to 350% FPL ($83,475 for a family of four). Parents still need to renew the coverage each year.” Call on monday 1-800-701-0710 ---
**Author:** ![Hello\_Again](https://avatars.discourse-cdn.com/v4/letter/h/85e7bf/32.png) [@Hello\_Again](https://boards.straightdope.com/u/Hello_Again)\ **Post date:** [June 28, 2014, 6:55pm UTC](https://boards.straightdope.com/t/healthcare/691873/10 "2014-06-28T18:55:52Z")
Unless her children are adult children. I didn’t consider that possibility in my replies. In that case, each person applies for themselves. it just seems like you should talk to someone at NJ Familycare directly. ---
**Author:** ![engineer\_comp\_geek](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/engineer_comp_geek/32/504_2.png) [@engineer\_comp\_geek](https://boards.straightdope.com/u/engineer_comp_geek)\ **Post date:** [June 28, 2014, 7:17pm UTC](https://boards.straightdope.com/t/healthcare/691873/11 "2014-06-28T19:17:58Z")
**Moderator Action** Since this is looking for advice, let’s move it to IMHO. Moving thread from General Questions to In My Humble Opinion. ---
**Author:** ![Mdcastle](https://avatars.discourse-cdn.com/v4/letter/m/958977/32.png) [@Mdcastle](https://boards.straightdope.com/u/Mdcastle)\ **Post date:** [June 28, 2014, 9:32pm UTC](https://boards.straightdope.com/t/healthcare/691873/12 "2014-06-28T21:32:58Z")
> [@Darth\_Hamsandwich](#): > > I don’t know. How would I find that out? > **[Health Insurance Marketplace Calculator | KFF](https://www.kff.org/interactive/subsidy-calculator/)** > > The Health Insurance Marketplace Calculator, updated with 2025 premium data, provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by the...