Stay above the water, get covered

​Having affordable health insurance helps me stay above water

By: Kim Thomas, Home Care Worker

By: Kim Thomas, Home Care Worker

Having affordable health insurance helps me stay above water in a world that seems to be pulling working men and women like me below the surface at every turn. I work very hard just to ensure I will not sink.

That’s why I’m taking the time to shop for health coverage options through the Affordable Care Act marketplace.

Before Obamacare, I was paying more than $400 per month on health insurance and premiums kept going up. I had a pre-existing condition that made it impossible to shop around for more affordable coverage.

As a home care provider in North Carolina, I spend most of my time helping others live independently as I work to provide the basics for my own family. Because I only get paid $10 per hour, it is not uncommon for me to work well over 15 hours a day. I sometimes work 72 hours straight, through three different agencies, taking naps in my car before I see my next client. After five years of service, I have only had one raise and don’t receive medical benefits, paid vacation or sick leave.

Since I don’t get health insurance through my work, I looked for options through the Affordable Care Act federal marketplace. The healthcare law did exactly what it said it would, provide affordable insurance. This year, tax credits brought my monthly costs to just under $95 a month. I have comparable coverage with lower premiums; I get to see a doctor; and it’s been an enormous help in making ends meet.

Join me in spreading the word to friends, neighbors and loved ones that it’s time to select the best affordable healthcare option for next year. Also, this tool identifies where face-to-face assistance is available in your area if someone you know needs help shopping for coverage that best meets the healthcare and budget needs of their family.

Go to to get covered or re-enroll today.

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