I just received an email saying that we have to have health coverage because the Affordable Health Care Act mandates that all Americans have health care coverage. Since we are adopting from foster care, we have to live by all the laws … ugh. This is bad news because we opted to take the penalty. There are a myriad of reasons for this, but it basically boils down to:
#1 I don’t believe in doctors so I don’t go to them.
#2 The cost is not affordable for our family.
Of course, the kid(s) would need health care because something is always happening to kids, but this is about us having health coverage not the kid(s). I don’t want to pay for something that I’m not going to use, but now it looks like I’ll be paying for something I won’t use anyway, so my question is: which type of health care sucks least?
HMO – everything is taken care of in-house.
HMO – style – you have a primary physician (the gatekeeper) that decides what happens.
PPO – you can go where you want, but anything out of network is only covered to 50%
EPO – if you go out of network, they pay nothing.
UPDATE: Our adoption worker said that she would submit our home study noting that we have chosen to take the penalty instead of buying health insurance. I don’t know if they will accept it like that, but for the time being … whoo hoo!