Insurance Plan for Single Mothers - Essay Sample

Introduction

Exchange refers to a mechanism applied in establishing the health insurance marketplace for helping small businesses and consumers for coverage in a manner that allows easy evaluation of available plan options based on benefits, plans, quality, and services (Ali, Teich & Mutter, 2018). My client is a consumer who is a single mother. Her three children are below five years.

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Action Plan

Single mothers lack enough time for themselves because they are so busy focusing on the wellbeing of their children. These include running household errands and balancing job. Good health is essential in handling such duties, and this calls for seeking regular the right healthcare insurance is appropriate to waive most of the unnecessary fees for single mothers.

Affordable Healthcare Act provides for single mothers under the low-income initiative through Medicaid eligibility to adults with dependent children. Under this program, my client qualifies for health care insurance for low-income earners of $28,676 for a family of three (Ali, Teich & Mutter, 2018). Regardless of the state decision to expand Medicaid, every child is eligible for Children's Health Insurance Program (CHIP) and Medicaid if the income of the family is approximately $40,000 (for a family of three) or more in some estates. In my client's family, they are a total of four people: a single mother and three children who are below the age of five.

Affordable Care Act and Single Mothers

What the Affordable Care Act means for solitary parentages depend on whether the single parent is employed or not. Such parents with no employers cannot secure admittance to employer-sponsored healthcare cover. They can purchase anywhere for cover through the Health Insurance Marketplace.

Concerning my client, she can embark on purchasing cover at the marketplace to establish if her revenue is appropriate for a tax aid. She can also check if her kids qualify for cfederal-state Children's Health Insurance Program (CHIP) or Medicaid coverage (Pohl, 2018). The federal marketplaces are available at the various federal websites. If she has employer-provided healthcare cover, she could experience hurdles in the marketplace.

Action Plan One: Medicaid

Medicaid is a government initiative designed with an objective of assisting the citizens in paying for healthcare (Pohl, 2018). The initiative targets low-income families, and it is separate from Medicare. It is an appropriate coverage option for single mothers. The state and the federal government jointly fund the program. The program considers family size among other factors.

Action Plan Two: CHIP

Children's Health Insurance Program (CHIP) is suitable for single mothers because it enables them to obtain low-cost or free health insurance. It is appropriate in cases where one earns high income, and cannot qualify for Medicaid. The plan covers immunizations, doctor's visits, emergency services, prescriptions, routine check-ups, laboratory/x-rays among other services. My client's children are below five years, while CHIP covers children up to 19 years (Pohl, 2018).

Action Plan Three: Employer's Insurance

Some employers offer health insurance. Through the Affordable Care Act, employers offer healthcare cost. However, their package does not surpass 9.5% of the domestic earnings annually (McMorrow, et al., 2018). In cases where the employer provides the insurance coverage option, and it is affordable, the client may not qualify for subsidized health insurance via the insurance marketplace.

Action Plan Four: Insurance Marketplaces

The coverage is appropriate for single mothers who do not qualify for Medicaid. They can receive subsidies to cover insurance expenses through Insurance Marketplace. It is appropriate for families of thee with income of between $20,420 and $82, 680.

Action Plan Five: Short Term Health Insurance

The plan is appropriate for single mothers who are between jobs and are awaiting insurance coverage to start working at a new workplace. They can purchase short-term medical insurance cover which provides temporary health insurance benefits until the new coverage is fully processed (McMorrow, et al., 2018). It is an effective option when one needs a quick coverage and cannot wait until the new insurance takes effect. It is appropriate is a child gets sick or injured.

References

Ali, M. M., Teich, J. L., & Mutter, R. (2018). The impact of single mothers' health insurance coverage on behavioral health services utilization by their adolescent children. The journal of behavioral health services & research, 45(1), 46-56.

McMorrow, S., Johnston, E. M., Steedle, R., & Thomas, T. W. (2018). Health Insurance Coverage for Women of Reproductive Age, 2013-16.

Pohl, R. V. (2018). Medicaid and the labor supply of single mothers: implications for health care reform. International Economic Review, 59(3), 1283-1313.