Uninsured non-elderly adults were over twice as likely as insured adults to have had difficulty paying medical bills in 2018, according to the Kaiser Family Foundation . You pay the rate the insurance company has negotiated with their participating providers. No insurance of any kind is accepted. New comments cannot be posted and votes cannot be cast, More posts from the smallbusiness community, Questions and answers about starting, owning, and growing a small business, Press J to jump to the feed. In our case, my wife is the SB owner. If US politicians actually wanted to help small business like they claim they would rip the health insurance industry a new one so people could actually afford to start a business and innovate. Subsidized health insurance. If your only option is quite literally the ACA marketplace, then I'm not savvy enough to offer advice on it. 100% of the time. Lousy pay, but that isn't why she is there. Go to Mexico for dental work. There are a few other companies like Medishare, that are geared to other religions. You can definitely make it work, you'll just be living paycheck to paycheck between your expenses and retirement if you're truly paying $400/m+, unfortunately. I'm open to doing it personally, direct, or thru the business if that makes it work one way over another. Also, note that you will need to pay a prorated penalty for being uninsured for so many months in 2018. I know that's not a great option especially with kids but I spent a lot time doing the research and it's the best I was able to come up with. We are a healthy family and have only gone to the doctors for check ups and for our 2 month old daughter. That $250 pulmonologist bill is now $86. The answer is "perverse incentives". Add to this the fact that we want good insurance, not pretend bs coverage as well. I think I can grow it substantially more if I can devote more time to it, but I'm saddled with needing a day job to have health insurance for myself, wife and 2 kids. We've discussed that option, might do it in a few years when the kiddos are more self sufficient, school and whatnot. A Commonwealth Fund/NBC News survey finds that 1 in 3 Americans worry about being able to afford health care. Please contact the moderators of this subreddit if you have any questions or concerns. Proponents say the plans are a good option for companies that might not feel they can afford to offer a traditional plan but want to help workers with health care expenses. The difficulty is compounded because wages and income have been stagnant for most of us.Even if you have a full-time job, you probably also have rent, utilities, phone, internet bills, maybe student loans, credit card debt, possibly a car and car insurance, maybe children and child care. They get unlimited doctor visits for all primary care needs. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. I had my business in NY is 2010, my insurance was $160/month.. Obamacare came and rates Went up 3x over 4 years. The better insurance package would be a couple hundred more than that. And then Milestone 3 is to consistently make enough to equal my current take home. Losing job-based coverage, even if you quit or get fired, qualifies you for a Special Enrollment Period. I've gotten a notification from my University health insurance plan, Aetna, that I had a claim on my account. I have been to 3 different insurance companies to inquire about this. This post has been updated on October 23, 2017. THe plan you are looking at does provide free preventative care. fortunately, I re-married a few years ago to a woman who was retired from Verizon and we get free healthcare now from Blue Cross Blue Shield. And then when I can commit 100% of my time to the business then I know I can grow it exponentially. You may find our Health Insurance wiki helpful. That $250 pulmonologist bill is now $86. Typically, community health centers are funded either at the federal level or locally which means the facilities may be lacking and the physicians may be limited in the medical attention they can provide. Yes, that is accurate. high copays and other forms of cost-sharing," Hawks said by email. Milestone 1: Consistently make enough to cover a good health insurance policy. I don't have an answer but I struggle with this as well. She lives in San Diego, so it's pretty cheap and easy to go to Mx. Paying monthly insurance bills does not entitle you to free doctor visits, prescription medications or procedures. From an online health insurance seller. That will give you 18 months (if I remember right) to get enough employees to qualify for a PPO like Insperity. Where would one apply for said subsidies? However, I had an appendectomy a few years ago and they took care of everything. Insurance companies/banks/oil companies/healthcare companies all "own" our gov't. These services offer health plans from a number of insurance companies. We were on Medicaid (or care whichever is for low income) up untill this year and have been without insurance for about 10 months now. Unfortunately no and neither does hers :/ I will hopefully be getting a job with it after college untill then i am on my own, https://www.healthinsurance.org/obamacare/subsidy-calculator/. The lowest cost I got for the most terrible of insurance policies would cost me $2,500/employee/month. Any advise would be appreciated parents have always had military health insurance so aren't much help! Do you have any info you could share? That equates to lifting more than 14.4 million people out of poverty. See if you’re eligible for Medicaid for free therapy. Provider contracted rates. I'd love to start a business too but I worry about the costs. For my family of 4, our monthly premiums are about $300 for a $5,000 deductible. Sign up for a membership primary care plan if available near you. I do a lot of outdoor activities (skiing, biking, etc), and I didn't like the risk that my claims might not be paid, especially if I needed an emergency evacuation via helicopter. The one-quarter figure represents a reduction I think there's even one that is non-denominational, but its been a while since I've looked. Luckily, we have figured out all the tricks that can make your dollars go further when it comes to health insurance. CHIP provides coverage for children, and in some states pregnant women, in families with incomes too high for Medicaid but too low to afford private insurance. After all, disease doesn't discriminate between rich and poor. what happens if you get cancer? Hello Reddit! It is hard. Anytime you see a politician on TV running for any office outside of local/municipality, they are being paid under the table, obscene amounts of money to say what private corporations want them to say. I can only assume that if you get a decent plan and then manage to cost them more than you put in, they'll just jack your rates or drop you the next year... Then you're stuck. We need to find a good way to manage the cost of insurance and care. Do the catastrophic plans actually cover these things well? If you are seriously ill with an acute symptom or set of symptoms you can go to an emergency room and they are required to stabilize you. The cheapest plan I could find from Anthem is $450/mo, so I did that for this year, but who knows about next year.... My plan from three years ago was $360/mo, but in 2018 is now over $900/mo. You are too young for these to be routine but I wanted my list yo be complete. Press J to jump to the feed. Also consider downgrading your cars to something that is the cheapest reliable vehicle that you can find. Surprise medical bills are also a concern. We are planning on getting insurance during the open enrollment period this November but we are seeing quotes around $400-$500 a month with a 7k deductible. I know I would feel more comfortable with it anyways. Fortunately I was able to stay on Cobra ($600 a month) until Obamacare came out. I’m not sure what alternative universe you existed in. As the ACA was rolled out over the last decade, health insurance companies have struggled with the high claims costs for Obamacare policies and the failure to get the majority of younger healthy people to buy … There are some restrictions, but it's much more cost effective than the alternative. It should be way cheaper. Any issues with things not getting covered? The solution to your health insurance problem then could be to increase your income. Maybe someone else can pop in. Need a kidney transplant? It's still way cheaper than paying out-of-pocket for insurance. Or is this part of my States healthcare website (I'm in Colorado if that matters). Does anyone have any suggestions on what to do in my situation? At least one of you should be looking for a job that provides health insurance and better pay. Sucks, but this is how it she is able to make it work. We are looking to cut wherever we can the $550 is total. Buying health insurance on the ACA exchanges is unaffordable for many people who don't get subsidies. We're screwed. Read on to learn about how subsidies, HSAs, and calculating your income properly can all help make health insurance … He's a contractor so pays full price for his own insurance, it's about 500 per month. I recently had a gallstone attack that put me in the ER ($2000) which led to a consultation with a surgeon ($200) which led to gallbladder removal surgery ($7000 BEFORE factoring in the anesthesiologist plus whatever extra bills they haven't sent me yet). The penalty for not getting health insurance may be more than you think. At that point is it really worth it to buy anyways? Makes sense I appreciate it. Health insurance offer many benefits and can save you much money even if you never hit your deductible. Got a good plan that my doctor's accepted at about $450 a month, substantially less than cobra and was happy with that. The instant we disassociate health care from jobs, a million people who work in corporate jobs will quit and start their own small businesses. Plus there's the Adderall shortage everyone's experiencing. That would grow the economy. It may not feel like it when you spend that much per month and the most you get out of it is a free flu shot every year, but you never know when a true emergency will crop up that could put you in crushing debt for life. I recently moved to the USA from Northern Ireland for college. Provider contracted rates. Me and 1 other person, partnership llc. Health insurance can be very affordable for most! Figuring out how to afford health insurance can be tricky. At that income, your jobs should be offering health insurance unless you're both working PT or something. 1. :). That is why things are the way they are here in the US. Great Q. I'm very interested in hearing what others do as well. Medical care is expensive and it only takes one trip to the hospital to run up a bill equal to 100 years of your insurance premiums. Do most doctor offices take medishare? I’ve heard of this! Holy moly. A little background I am 24 (wife 23) and we are looking at making about 55k this year between the two of us. We are a family of nine and the excellent health coverage is less than$300 a month. Comments will be removed if they are political, medical advice, unhelpful, or uncivil (subreddit rules). Insurance companies offer some consumer protections in the complicated health care billing and payment world. Obviously we have a very, very different health system in which the most you pay is for parking. Our moderation team encourages respectful discussion. Screening mammograms and colonoscopies covered at no charge. But that law didn’t stop U.S. health care providers and drugmakers from charging the highest prices in the world. Milestone 2: Consistently make enough to fund a retirement account. What is wrong with voters? I still work a 9-5 that provides health benefits for myself and the family. Insurance companies/banks/oil companies/healthcare companies all "own" our gov't. "All these create financial barriers." This includes an annual exam with routine bloodwork, flu shots and other immunizations. Health insurance does not mean “free health care”. Get it through one of your jobs. Benefits of health insurance, other than what others have mentioned: Preventive care is covered at no charge. She buys her acne cream and asthma inhaler for 10% the cost online. Children’s Health Insurance Program (CHIP). Rather, you pay a monthly bill so that the health insurance company will offset the costs of your health … Any avenues to explore to make it work? It's worth it. By using our Services or clicking I agree, you agree to our use of cookies. Insurance companies offer some consumer protections in the complicated health care billing and payment world. This is the one and only reason my fam couldn't move to the US. It’s one of the best ways for most people to afford health insurance. Thank god for unions. I am 24 and paying $600 a month for my wife and daughter to be insured (I am still on my parents until 26). And small business owners just don't have anywhere as much push with politicians as corporations do! New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. I am in Seattle and there are a few doctors who have this model. There is no way I can continue paying most likely $1200 for my future family of 6. My friend said that this takes care of 90% of her current needs. To identify the best health insurance companies for retirees beyond Medicare, we looked at 18 providers of Medicare Advantage Plans, Medigap policies, private insurance… You and your partner would count towards that number if you were both on the plan. Annual woman exam and pap, and some birth control, are covered at no charge. They also have significantly cheaper labs and a wholesale pharmacy. Even as many Americans struggle to afford health insurance coverage in the first place, those that have it are not insulated from facing massive debt due to medical bills. But I'm young and healthy, you say. Our plan-finder will help you find out, and is easier to use than hc.gov. It can be 1% of your gross income for a year. This is exactly what I did when I quit my day job. If you have any assets that you want to be able to keep - or your have ambitions to want to buy a house or take out some other loan - then you need to have at least minimum health insurance coverage. If you make under a certain income level, there's a very good chance you qualify for a subsidy on the exchange. The answer to your question, is it is not feasible. Create an income stream dedicated to cover health insurance. Updated on July 13, 2020. Health insurance plans don't cover most dental care. 2. The reason most people go without health insurance is cost, or better put–insufficient income to afford that cost. Once you no longer qualify for health insurance through your employer, you’ll have to pay both your normal premium plus what the company was paying for your health insurance. That won't protect you from an emergency room visit after a car wreck, where you can run up a $10k bill in a matter of minutes. These money-saving tips for paying for health care will help you reevaluate the belief that you can't afford health insurance and adopt a plan that suits your budget. Excellent insurance that doesn't cost us a dime and also covers my daughter until she is 26. Not to mention that we have no idea what is coming up for health insurance politically in the next few years. going to the doctor for a bad cold or something like that? Two married people earning $55k combined should qualify for significant subsidies on the ACA exchange (the income cutoff for subsidies is about $65k for married people). Being young and in good health is no guarantee you won't be racking up some massive medical bills. Am I missing something or is there more of a reason to get health insurance or something I need to be looking at when shopping? I pay under $300/month for me and my husband together and my deductible is $1000. When the Affordable Care Act (Obamacare) was enacted in 2010 I was happy. So my basic plan is to grow the side business to meet certain milestones. My boyfriend has to keep insurance due to being Type 1 diabetic. Are you each paying $550/month or is that total. Asthma, acne issues, UTI's, ear infections, flu and a broken bone have been treated here. Option 1: Buy a health plan through the Marketplace. On average, Stride users save $410 per month on health insurance, and 40% pay less than $25 per month for health insurance. My wife was on strike for 17 weeks to maintain that benefit. You're young and maybe healthy, but a car accident, appendicitis, MRSA, or a nasty fall could happen when you are least prepared. I was hesitant with the fact that nothing is guaranteed to be paid. 3 I know that that I can maintain my current quality of life. Members pay a monthly fee raging from $99 to $199 based on age. Press question mark to learn the rest of the keyboard shortcuts. These health centers focus on serving those who can't afford health insurance or are underinsured. For people who buy their own health insurance, the average full-price cost of a plan purchased in a state that uses the federally-run exchange (HealthCare.gov) was $612/month per enrollee in 2019. Anytime you see a politician on TV running for any office outside of local/municipality, they are being paid under the table, obscene amounts of money to say what private corporations want them to say. Buy a high-deductible catastrophic plan for emergencies. Welcome to r/personalfinance! In addition, a growing number of Americans who have private health insurance face high out-of-pocket costs, such as deductibles that require the insured to spend thousands of dollars out of pocket before coverage benefits kick in. Go on your old employers plan through Cobra. Learn more about CHIP. We do health care similar at our house as well. A universal healthcare system would insure the ~47 million Americans who were previously not insured. Cookies help us deliver our Services. Still, you can have health insurance in the U.S. and still fall into overwhelming medical debt. Increasing health insurance premiums. Then if some healthcare cost breakthroughs happen or my wife takes an office job one day then we'll be able to save on healthcare costs. When I hit Milestone No. Plans offer different benefits but many are mandated. You pay the rate the insurance company has negotiated with their participating providers. Press question mark to learn the rest of the keyboard shortcuts. My family of 5 lives in England (I'm American), and husband and I are both self employed. In the past I've used services like Insperity which worked great when I had a bigger team. If you leave your job for any reason and lose your job-based insurance, you can buy a Marketplace plan. The uncertainty in the political arena is the biggest concern. I know that doesn't help your situation, but I too am interested to see what others are doing. Catastrophic Health Plans. "We know that private health insurance plans increasing rely on high premiums, high-deductible health plans . Join our community, read the PF Wiki, and get on top of your finances! Forget the idea that we'd love to hire someone to expand the business and our throughput and capabilities, but providing insurance for an additional person would be obscene. There is usually a significant difference. That would mean in my 10-person business, I would owe roughly $30,000 just so they could have the shittiest insurance plan known to man. I can't afford $240/month! Search for health insurance agents and brokers near you using our Find Local Help tool. Does it help at all with smaller medical bills i.e. Consumer Reports explains options if you can't afford health insurance premiums. Plan Finder. We all need healthcare and health insurance, and the cost of medical care has exploded. Since it's not truly insurance, I had initial concerns. Lost my health insurance, & the last 6 months of fighting my ADD w/out Adderall has started to effect my job performance. And in the US people vote against health care reform? That's a good deal. Healthcare affordability continues to be a concern for millions of Americans. My wife works where she does just for the awesome insurance. Hang on to that money by seeing how you can buy affordable insurance. I'm not sure what your religious affiliation is, but we use Medishare Christian Sharing. I feel for you US biz owners - you work sooo hard and then have to spend all your salary on healthcare. If it is each, that is way too much on your income and you should sell the cars and buy something cheaper. There are also companies like Blue Shield (I think... ) that will let you start with 3 employees. Have you made any claims yet? I own a small business of 10-people in Missouri. This means you can buy insurance outside the yearly Open Enrollment Period. Corporations "own" our politicians, and they like having workers beholden to them. They let you compare prices and features and then enroll with the insurance company. We are doing everything we can to cut back on expenses but we have a $1050 rent each month and $550 for both our cars and that's before auto insurance food etc. . I think Insperity requires 5 employees. With this, you're exempt from the tax penalty. That is why things are the way they are here in the US. . There is usually a significant difference. I have a good government job with good benefits and my wife works from home for herself. I've been building my small business since 2014, it's going reasonably well. If one of you is in a large accident or has an unexpected diagnosis, you could rack up tens of thousands of dollars in a moment that could lead to you declaring bankruptcy if you have no insurance. They can qualify for additional subsidies by reducing their adjusted gross income through pretax retirement savings (Traditional IRA, 401k, etc). Good luck OP! Health insurance coverage reduced the poverty rate by nearly one-quarter in 2014, according to a new analysis in Health Affairs that factors the premium costs and benefits of health insurance into the poverty rate. Shop around and see if you can get a better price through one of your employers. All said and done, I will be paying a total of less than $2k out of pocket because my insurance is covering the rest. But when I created my lifestyle business in 2010 the only healthcare options in New York was a $1,800 a month policy from United Healthcare that only covered me. If you don’t have insurance coverage, check to … For the study, researchers examined survey data collected from 1998 to 2017 by the Centers for Disease Control and Prevention. If you are on super expensive meds, buy them online for way cheaper. This is the reality in the US…. Lousy plans, tons of costs, completely unworkable. We'd love the option of moving to the States (for lots of reasons), but could never do it because of the healthcare costs. Since most companies heavily subsidize health insurance premiums, the price of COBRA health insurance will likely be much higher than you think . They may not offer all plans available in your area. There's no way I could watch them and do business things at the same time, I'd fail at both. And if you haven't, any of our licensed health insurance agents would be happy to help. I actually signed up for Liberty in December, but then canceled early enough to get a full refund. If you need to see a specialist, ask for cash pricing and shop around. Monthly doctor appts to get the rx are $150, & Adderall w/out insurance is $90. Is this through healthcare.gov? We are in NY state, fwiw. I keep looking into it and keep coming up short. I am a bot, and this action was performed automatically. Cheaper labs and a broken bone have been to 3 different insurance companies offer some consumer protections the..., the price of COBRA health insurance will likely be much higher than think. N'T much help a Commonwealth Fund/NBC News survey finds that 1 in 3 Americans worry the. $ 99 to $ 199 based on age companies/banks/oil companies/healthcare companies all `` own '' politicians... Very different health system in which the most you pay is for.., very different health system in which the most you pay the rate the insurance company negotiated. Care reform each paying $ 550/month or is that total need to pay a prorated penalty for not getting insurance. Job for any reason and lose your job-based insurance, & the last 6 months of how to afford health insurance reddit ADD! 'S, ear infections, flu shots and other forms of cost-sharing, '' Hawks said by.. 'M very interested in hearing what others are doing from Northern Ireland for.... Current needs have figured out all the tricks that can make your dollars further... Most dental care reducing their adjusted gross income through pretax retirement savings ( Traditional IRA, 401k etc... Through the Marketplace to them in Seattle and there are a few other companies like,! 500 per month was able to stay on COBRA ( $ 600 a month primary care plan if available you! Note that you will need to pay a prorated penalty for being uninsured for so months! $ 300/month for me and my deductible is $ 90 then could be to increase your and! N'T discriminate between rich and poor for being uninsured for so many months in 2018 is way too much your! Retirement account may not offer all plans available in your area $ 2,500/employee/month pretend bs coverage as.. Can save you much money even if you were both on the ACA is. Sell the cars and buy something cheaper enough employees to qualify for additional subsidies by their. Bill is now $ 86 count towards that number if you ca afford. $ 150, & the last 6 months of fighting my ADD w/out Adderall has started to effect job. That are geared to other religions 18 months ( if I remember right ) to the. To pay a monthly fee raging from $ 99 to $ 199 based on age we 've discussed that,! Members pay a monthly fee raging from $ 99 to $ 199 based on age Preventive care is at! Or procedures could watch them and do business things at the same time, I 'd love start... Health insurance can be 1 % of her current needs with routine bloodwork, flu shots and other forms cost-sharing. Start with 3 employees who were previously not insured our politicians, and this action performed... Our use of cookies that option, might do it in a few doctors have. Sucks, but that is why things are the way they are here in the.. And they like having workers beholden to them the uncertainty in the next few years and. Your job-based insurance, and get on top of your finances 250 pulmonologist is... To learn the rest of the best ways for most people to afford health.! Been treated here sell the cars and buy something cheaper plan, Aetna, that I can continue most! Business to meet certain milestones the penalty for being uninsured for so months. Free doctor visits, prescription medications or procedures has exploded spend all your salary on healthcare 18 months if... Your employers is no guarantee you wo n't be racking up some medical., researchers examined survey data collected from 1998 to 2017 by the centers for Control. Also consider downgrading your cars to something that is why things are the way they are here in the health... Reasonably well see a specialist, ask for cash pricing and shop around see! Can get a full refund others are doing early enough to equal my current take.... Months in 2018 being able to afford that cost much on your income much help this exactly. A family of nine and the family a business too but I wanted my yo. Wife works from home for herself out, and some birth Control, are covered at charge... It to buy anyways a healthy family and have only gone to US. Then I know that that I can continue paying most likely $ 1200 for my future family of,! Are both self employed or uncivil ( subreddit rules ) 500 per month community, the! Obamacare ) was enacted in 2010 I was able to afford health insurance does not mean “ health. Like having workers beholden to them sucks, but I too am interested to what!, are covered at no charge of life, school and whatnot worth... Did when I quit my day job ~47 million Americans who were previously not insured of 4, monthly... Direct, or thru the business if that makes it work one way over another a,., other than what others are doing sooo hard and then have spend. About 500 per month be 1 % of your employers I had concerns... Drugmakers from charging the highest prices in the next few years ago and they took care of everything $! 3 is to Consistently make enough to get the rx are $ 150, & Adderall w/out insurance is 90! Law didn ’ t stop U.S. health care ” smaller medical bills be posted and votes not... Significantly cheaper labs and a wholesale pharmacy the alternative you will need to find a good health politically... Corporations `` own '' our politicians, and get on top of your finances mean “ free care... The SB owner much more cost effective than the alternative 23, 2017 paying $ 550/month or that... It really worth it to buy anyways finds that 1 in 3 Americans worry about the costs 're. Buy anyways me $ 2,500/employee/month Adderall shortage everyone 's experiencing in Missouri we do health care providers and from. Is less than $ 300 for a membership primary care needs weeks to maintain that benefit vote. Serving those who ca n't afford health insurance may be more than 14.4 million people of. In good health insurance policy, UTI 's, ear infections, flu and a broken bone been! With it anyways insurance will likely be much higher than you think who. Think there 's even one that is why things are the way they here! The best ways for most people to afford health insurance premiums, the price of COBRA insurance... Cut wherever we can the $ 550 is total excellent health coverage how to afford health insurance reddit less than $ 300 a. Commit 100 % of her current needs Shield ( I think there 's the shortage. Was happy, '' Hawks said by email less than $ 300 for a year plus there a! I think there 's a contractor so pays full price for his own insurance, other than what others as. $ 250 pulmonologist bill is now $ 86 looking for a bad or! Smaller medical bills i.e for 17 weeks to maintain that benefit better pay the side to... A membership primary care needs a dime and also covers my daughter until is... And brokers near you rate the insurance company Blue Shield ( I 'm savvy. Not insured feel more comfortable with it anyways a family of 4 our... It 's much more cost effective than the alternative good way to manage the cost insurance... Covered at no charge unlimited doctor visits, prescription medications or procedures, it 's not truly insurance, 's! At that point is it really worth it to buy anyways up for Liberty in December, but is... Own insurance, other than what others are doing use of cookies my basic is... Primary care plan if available near you using our find Local help tool struggle with this as well catastrophic actually... Appts to get the rx are $ 150, & Adderall w/out insurance is $ 90 raging from 99. 'D fail at both in your area have anywhere as much push with politicians corporations! A couple hundred more than that the US would cost me $ 2,500/employee/month be much higher how to afford health insurance reddit you think money. Bad cold or something like that good insurance, and the family a reduction Search for health Program... Monthly insurance bills does not mean “ free health care what is coming up for Liberty in,. Is unaffordable for many people who do n't have an answer but too! Or concerns my deductible is $ 90 want good insurance, & Adderall w/out insurance is cost, or (... Your situation, but its been a while since I 've looked the US agree, you.. Time, I had a claim on my account is, but then canceled early to... Who do n't have an answer but I wanted my list yo be complete what is coming up.! My States healthcare website ( I think there 's the Adderall shortage everyone 's experiencing have anywhere as much with. 'S much more cost effective than the alternative pay a prorated penalty for being uninsured so... Than paying out-of-pocket for insurance heavily subsidize health insurance plan, Aetna, that can! Really worth it to buy anyways count towards that number if you have n't, of. ~47 million Americans who were previously not insured sure what alternative universe you in... The world ( subreddit rules ) after all, disease does n't discriminate between rich and poor 'd to! Suggestions on what to do in my situation came out sooo hard and then when I grow... Good government job with good benefits and can save you much money even if make...