Children and Health Insurance: Making It Work Financially
How do young parents or single-income households take care of and provide for their babies/children without some sort of assistance, be it from family or friends or the government? I've researched Medicaid and CHIP, as well as Food Stamps and WIC and you have to make a certain amount or lower in order to qualify. Well, what if you barely make over that amount but not enough or barely enough to care for just the two of you? I feel like I'm stuck in the middle—between a rock and a hard place! I have health insurance through my job, but since we are such a small company, we have a group policy. To add on a spouse or a dependent would be a VERY costly, out-of-pocket expense ESPECIALLY for me.
I have talked with a few people about government assistance programs, who have had or are currently on it. But I still don't know. I know I ought to discuss it with the actual government office, I'm just afraid they will turn me down.
Sure, it's better to take the chance to find out if you will qualify or not; I guess I'm just not much of a risk taker! I kind of would like to get other people's input as well as experience and anything else you think might help me. A survey, if you will!
What does everyone else think?? What would you do if you were in this situation? If you are already in this situation, what do you do? Food-wise, health care, etc. Thanks for all your help and advice in advance! :]