When Being Honest Is Not Worth the Steep Price – Obamacare!

When I first signed up for health insurance under the Patient Protection and Affordable Care Act – aka Obamacare, like many other people, I experienced glitches including outages. Based on my income, I supposedly qualified for Medicaid, which turned out to not be true. I ended up starting a new application in the Marketplace and outsmarted the system by declaring income just above the Medicaid-qualifying amount. In fact, a very competent person I spoke to at my local Medicaid office provided this tip. Apparently, there were several phantom accounts already under my name, so I was forced to create a new account with my maiden and married name. No big deal … my premium was affordable and a huge relief compared to what I experienced the prior year – getting screwed big time by Humana. That is a whole other saga, but in summary, they investigated me as if it I was a witch in Salem, all prompted by an MRI of my neck. I had to fill out pages and pages of medical history which resulted in a declaration of a preexisting condition and out-of-pocket costs of $3,000 for the MRI!

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