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> You can buy insurance or go on Medi-Cal, right? You can continue your exact insurance plan via COBRA and pay both your portion and your employer's portion of
by fucking_tragedy 8y ago
> You can buy insurance or go on Medi-Cal, right?
You can continue your exact insurance plan via COBRA and pay both your portion and your employer's portion of expenses. Having done this, I paid nearly $3k a month in premiums alone for continued individual coverage. That is not feasible for everyone who were just laid off and still have bills to pay.
To be eligible for Medi-Cal, you must make under 138% of the federal poverty line, or be disabled or elderly[1]. A tech worker who was just laid off would not be eligible for Medi-Cal unless they were recognized as disabled by the state, and the program they'd be eligible for during that tax year would require them to spend a significant portion of medical costs out of pocket before Medi-Cal kicked in.
There are special provisions to purchase health insurance on the individual private market if you're laid off. However, anyone with a chronic condition can attest to the problems that arise when you're forced to switch health insurance plans and continue treatment at the same time.
[1] https://ca.db101.org/ca/programs/health_coverage/medi_cal/program2.htm https://ca.db101.org/ca/programs/health_coverage/medi_cal/pr...