Anyone else over 60 that has been priced out of the Marketplace? Anyone else considering just not having insurance?
Looks like I may be $680 over to qualify for my previous subsidy. I paid $550 per month for a crap policy but now am staring down the possibility of no subsidy, $1400 per month for crappy insurance. I can self pay routine stuff, but I don’t qualify for catastrophic coverage. I will be 65 in March of 2027. Anyone else in this boat?HidingoutfromtheCIA
Get a bronze plan and open a HSA. Drop a few grand in it and lower your MAGI below the 400% federal poverty limit and regain your subsidies.jhkayejr
A bronze plan for me is $1,700 a month. The idea that I’d then also be able to put money in a HSA is insane.LadyMaggieMae
Unfortunately that exact plan leaves me $680 over. With the smidge of SS COLA, my modest pension fund and again modest interest rates the $4400 HSA will not get us there[deleted]
This. You can actually put $5400 in your HSA since you’re over 55. It sounds like you don’t have earned income, so IRA/401k contributions wouldn’t be an option for you. Also, if you take the standard deduction, starting in 2026, you can do an above line deduction for charitable contributions ($1000 if filing single; $2000 for married filing jointly). That’ll reduce your MAGI. Edit to add: the charitable contributions have to be cash. Thanks for the clarification below, PeacefulCW.Responsible-Bid5015
For you the HSA contribution limit is $5400 in 2026. You can also look into using the BOXX ETF for some of your cash savings to get extra margin. Note there is some risk to BOXX since the IRS has not really decided if it is a valid scheme. BOXX pays capital gains on withdrawal but no interest/dividends. So if you withdraw the full amount next year, there is no benefit.
Tag: Affordability
New York Times Talks with Food Bank Recipients
speaker 12
There’s already people that have to decide between food and their medicine.olivia natt
Have you ever had to make a choice like that?speaker 12
A couple of times. A couple of times.speaker 2
And it wasn’t for this food bank, here about two months ago, if it weren’t for this food bank, me and my little grandson would have starved for about 10 days. We ate mashed potatoes and macaroni for four days out of this food bank. And I wouldn’t have had nothing to eat with that little boy if I hadn’t’ve — and most of the time, I didn’t eat it all because I’d make sure he had something.anna foley
I’m so sorry.speaker 2
And yes, it’s very upsetting. You can understand that, right? And I think it’s a sad state of affairs when poor people that are not able to work anymore, and I worked, believe me, my whole life, can’t even get a way to eat.[MUSIC PLAYING]
See also:
https://www.foodbankrockies.org/
Food insecurity is the lack of consistent access to enough nutritious food for an active, healthy life due to a lack of money and other resources. It can lead to reduced food intake, disrupted eating patterns, and severe consequences like hunger, poor health, and developmental issues, especially in children. It can be caused by factors like high food prices, unemployment, conflict, and climate change, and affects various populations disproportionately.
— Google AI
Health Insurance Rates Going Up – Way Up
For weeks, policy experts and some political leaders have warned of a tsunami of high costs and worse access coming for the health care of ordinary America because of sweeping policy moves made in Washington.
Coloradans who get their insurance on the individual market — which is about 282,000 people — got a first glimpse of it on Wednesday after the state’s insurance division dropped preliminary annual insurance rates for next year: Average premiums will rise 28 percent for 2026; on the Western Slope, they could climb as high as 38 percent on average, and higher than that for many.
Colorado health insurance rates expected to skyrocket after budget bill slashes health spending
Notes on Medicaid and Rural Health
Or they’re just very humble and they don’t want to take something they can’t pay for at one night clinic. This story has always really stuck with me. A woman in her forties came in to the night clinic. She’d never been seen in our clinic before because of a complaint that people in the choir wouldn’t stand near her. Hmm. And she had started having an odor that made her unpleasant to be near and she’d avoided healthcare because she couldn’t afford it.
And she was a housekeeper. She had no access to any health insurance and didn’t wanna bankrupt her family. And so on exam that night, she had a breast cancer that was so advanced that had grown through her skin and that’s where the smell was coming from. Wow. And she, she ended up dying a few months later. We could have, if she’d gotten mammograms, you know, like we could have caught this very, very early and treated her and she would’ve gone on to be there for her family. But her fear of bankruptcy for seeking healthcare, or maybe it was, you know, she just didn’t wanna take services from someone else. It’s hard to know what keeps people from walking in the door.
One Rural Doctor on the Cuts to Medicaid
The Daily Podcast transcript
Bernie Sanders and Alexandria Ocasio-Cortez Rally – Denver March 21, 2025 – Random Pics





1999 Toyota Corolla, Fine AF – Best of Craigslist Ad
You want a car that gets the job done? You want a car that’s hassle free? You want a car that literally no one will ever compliment you on? Well look no further.
The 1999 Toyota Corolla.
Let’s talk about features.
Bluetooth: nope
Sunroof: nope
Fancy wheels: nope
Rear view camera: nope…but it’s got a transparent rear window and you have a fucking neck that can turn.Let me tell you a story. One day my Corolla started making a strange sound. I didn’t give a shit and ignored it. It went away. The End.
You could take the engine out of this car, drop it off the Golden Gate Bridge, fish it out of the water a thousand years later, put it in the trunk of the car, fill the gas tank up with Nutella, turn the key, and this puppy would fucking start right up.
This car will outlive you, it will outlive your children.
Things this car is old enough to do:
Vote: yes
Consent to sex: yes
Rent a car: it IS a carThis car’s got history. It’s seen some shit. People have done straight things in this car. People have done gay things in this car. It’s not going to judge you like a fucking Volkswagen would.
Interesting facts:
This car’s exterior color is gray, but it’s interior color is grey.
In the owner’s manual, oil is listed as “optional.”
When this car was unveiled at the 1998 Detroit Auto Show, it caused all 2,000 attendees to spontaneously yawn. The resulting abrupt change in air pressure inside the building caused a partial collapse of the roof. Four people died. The event is chronicled in the documentary “Bored to Death: The Story of the 1999 Toyota Corolla”You wanna know more? Great, I had my car fill out a Facebook survey.
Favorite food: spaghetti
Favorite tv show: Alf
Favorite band: tie between Bush and the Gin BlossomsThis car is as practical as a Roth IRA. It’s as middle-of-the-road as your grandpa during his last Silver Alert. It’s as utilitarian as a member of a church whose scripture is based entirely on water bills.
When I ran the CarFax for this car, I got back a single piece of paper that said, “It’s a Corolla. It’s fine.”
Let’s face the facts, this car isn’t going to win any beauty contests, but neither are you. Stop lying to yourself and stop lying to your wife. This isn’t the car you want, it’s the car you deserve: The fucking 1999 Toyota Corolla.
Originally Posted: 2018-04-19 10:52 (no longer live)
https://www.craigslist.org/about/best/hou/6565526716.html
(With pics)
Part Time Labor in the U.S.
The shift to part-time workers means that focusing exclusively on hourly pay can be misleading. Walmart, for example, paid frontline hourly employees an average of $17.50 as of last month and recently announced plans to raise that to more than $18 an hour. Given that just a few years ago, progressives were animated by the Fight for $15 movement, these numbers can seem encouraging. The Bloomberg columnist Conor Sen wrote on social media last year that “Walmart’s probably a better employer at this point than most child care providers and a lot of the jobs in higher ed.”
The problem is that most Walmart employees don’t make $36,400, the annualized equivalent of $17.50 an hour at 40 hours a week. Last year, the median Walmart worker made 25 percent less than that, $27,326 — equivalent to an average of 30 hours a week. And that’s the median; many Walmart workers worked less than that.
Likewise, at Target, where pay starts at $15 an hour, the median employee makes not $31,200, the annualized full-time equivalent, but $25,993. The median employee of TJX (owner of such stores as TJ Maxx, Marshalls and HomeGoods) makes $13,884 a year; the median Kohl’s employee makes $12,819.
Those numbers, though low, are nevertheless higher than median pay at Starbucks, a company known for its generous benefits. To be eligible for those benefits, however, an employee must work at least 20 hours a week. At $15 an hour — the rate Starbucks said it was raising barista pay to in 2022 — 20 hours a week would amount to $15,600 a year. But in 2022 the median Starbucks worker made $12,254 a year, which is lower than the federal poverty level for a single person.
It’s Not Just Wages. Retailers Are Mistreating Workers in a More Insidious Way.
By Adelle Waldman
Workers Living in Cars, NYTIMES on
I Live in My Car
Dozens of parking lots have opened across the country for working people who can afford a car but not rent.
Around the country, real estate is being set aside for people like Ms. Audet in the form of parking lots. Dozens of such lots have opened in the last five years, with new ones being announced every few months, including as far east as Pennsylvania and North Carolina. They are sprinkled across the Midwest in Green Bay, Wis., and Duluth, Minn. And they dot the spine of the Pacific Northwest, providing a safe harbor for a growing cohort of working Americans who are wedged in the unforgiving middle. They earn too little to afford rent but too much to receive government assistance and have turned their cars into a form of affordable housing.
…
The Lake Washington United Methodist Church began experimenting with offering a beachhead for the “mobile homeless” in 2011 in response to Seattle’s “scofflaw ordinance,” which called for the impounding of cars that had accrued multiple parking tickets, a law that was disastrous for people forced to live in their cars. “Our simple idea was, ‘Hey, if they’re in our parking lot, they won’t get parking tickets. And they won’t get booted and towed,’” said Karina O’Malley, who helped create the program.
Now it is one of 12 in Washington State.
“Tens of thousands of people are living in their vehicles,” said Graham J. Pruss, an applied anthropologist studying the trend, who heads the National Vehicle Residency Collective. “It’s huge.”
Paying for Someone’s Baby Formula
old lady got extremely pissed over me paying for a moms baby formula
by u/EstimateThese1815 in TrueOffMyChest
EstimateThese1815
im 16 and work as a cashier for a grocery store. ive seen all kinda of depressing shit in my time working there but this has to top it.
last night a woman who didnt look older than 20 came in my line with a can of baby formula. she looked like she hadnt slept in days hadnt showered in days or even had time to properly care for herself, she just looked so worn out. i rung up the formula and it was like 40 bucks she put her card in and it wasnt going through. so i went through this process that i can do to see if she had any money on her card and she only had a few bucks. when i looked at her after saying that she looked like she was about to burst out crying i felt so sad and i understood what she was going through(my bsf was r worded and got pregnant at 15 and ive been buying formula so she doesn’t have to worry about my nephew going hungry). i told her its fine i got it and paid for it and she tearfully thanked me and left.
the person next in line came up which was a older lady i asked her how her day was(something i kinda have to do) and she started complaining about how new moms now in days have so much help from people how if people like me wanna help sluts that cant keep their legs closed im causing more and bigger issues and then out of nowhere started screaming at me. she got kicked out and im still in shock like why would you want a fucking baby to go hungry ? like you seriously have to be that low of a person to complain that someone else is helping out a mom buy food for her child.
Active_Skin_1245
Glad you helped this mom feed her baby. Monsters are real. it’s sad that you saw one up close and they spewed the venom that resides in their soul at you. I hope you continue being a kind and good person
Nirvana on High Ticket Prices – 1993
Protest in France
Today’s political moment feels very similar to the early phases of the Yellow Vest movement in 2018, when a proposed hike in the fuel tax unleashed weeks of demonstrations. Then, too, there was simmering anger from households struggling to make ends meet, widespread support for disruptive protest and a stunning aloofness from the people in charge. As in the early days of that conflict, Mr. Macron went weeks without publicly addressing the pension battle at length, forcing his prime minister to take the heat instead. His first major address on the topic since protests began was panned by critics as tone-deaf and condescending.
“There’s a form of disconnect,” Laurent Berger, the general secretary of the country’s largest labor confederation, the C.F.D.T., which prides itself on its ability to negotiate and compromise, told me. “There needs to be an end to this verticality where only a precious few are right and everybody else is wrong.” That obstinacy has pushed France into a political crisis — one that raises questions over the very architecture of the Fifth Republic and the extensive power it hands the head of state. How is it possible for a president without a parliamentary majority to ram through such an unpopular policy?
France Is Furious
Mr. Stangler is a journalist based in France who writes about the country’s politics and culture.
Also following the news at Reddit r/france
Réforme des retraites – les slogans des manifs – Difficile de faire un choix… Au début, ça me faisait sourire. Au final, j’ai juste le seum.
by u/artsnumeriques in france
Food Assistance Cuts – Kentucky
HAZEL GREEN, Ky. — As he claimed the first spot in a mile-long line for free food in the Appalachian foothills, Danny Blair vividly recalled receiving the letter announcing that his pandemic-era benefit to help buy groceries was about to be slashed.
Kentucky lawmakers had voted to end the state’s health emergency last spring, by default cutting food stamp benefits created to help vulnerable Americans like Blair weather the worst of covid-19. Instead of $200 a month, he would get just $30.
He crumpled up the letter and threw it on the floor of his camper.
“I thought, ‘Wow, the government is trying to kill us now,’” said Blair, 63, who survives on his Social Security disability check and lives in a mobile home with his wife after their house burned down five years ago. “They are going to starve us out.”
A mile-long line for free food offers a warning as covid benefits end
Tim Craig
Homelessness and the Cost of Housing – The New York Times
Advocates say Phoenix’s streets are increasingly filled with people who simply could not afford an increasingly pricey Arizona: Average rent in the Phoenix area has risen by about 70 percent over the past five years, and the number of people in shelters or living on the street has gone up by 60 percent.
“The cost of housing is the biggest thing we see,” said Kenn Weise, the mayor of the suburban city Avondale, Ariz., and chairman of the Maricopa Association of Governments, which runs the Point-in-Time Count.
The path that brought Mr. Greene to a park in downtown Phoenix, repairing a beater bicycle, began, he said, when he fell from a scaffold at his carpentry job a few years ago. Work was impossible after he crushed his leg, but he said he survived on monthly disability checks.
The rent on his apartment near the palms of Encanto Park crept up from $525 to $700 before doubling in December, part of the disappearance of modestly priced rentals around Phoenix. A decade ago, almost 90 percent of apartments around Phoenix rented for $1,000 or less. Now, just 10 percent do.
582,462 and Counting
To fix a problem like homelessness in America, you need to know its scope. To do that, you need sheriffs, social workers, volunteers, flashlights and 10 days in January.
Million Dollar Public Restrooms, 600k Affordable Housing Units – High Costs in California
The project in question is for the Noe Valley neighborhood, which wants a public toilet for its Town Square. The problem is the price tag: $1.7 million.
State funds will not be forthcoming for the project, Gov. Gavin Newsom’s office told the San Francisco Chronicle this week amid mounting controversy. Republicans have hammered Newsom, a Democrat, over the state’s homelessness problem, with San Francisco a prime example.
“A single, small bathroom should not cost $1.7 million,” Erin Mellon, the governor’s communications director, wrote in a statement. “The state will hold funding until San Francisco delivers a plan to use this public money more efficiently. If they cannot, we will go back to the legislature to revoke this appropriation.”
Six years later, neither the mandate nor the money has proved to be nearly enough. In 2016, Los Angeles had about 28,000 homeless residents, of whom around 21,000 were unsheltered (that is, living on the street). The current count is closer to 42,000 homeless residents, with 28,000 unsheltered. Prop HHH has built units, but slowly, and at eye-popping cost. The city says that 3,357 units have been built, and the most recent audit found the average cost was $596,846 for units under construction — more than the median sale price for a home in Denver. Some units under construction have cost more than $700,000 to build.
The Way Los Angeles Is Trying to Solve Homelessness Is ‘Absolutely Insane’
Insulin – Unaffordable to Many in US
A study in the Annals of Internal Medicine found that in 2021, nearly 1 in 5 adults in the U.S. with diabetes either skipped, delayed or used less insulin than was needed to save money. That comes out to roughly 1.3 million adults, or 16.5% of those who need insulin.
…
“In the ICU, I have cared for patients who have life-threatening complications of diabetes because they couldn’t afford this life-saving drug,” said the study’s lead author, Dr. Adam Gaffney, a critical care physician at the Cambridge Health Alliance in Massachusetts.“Universal access to insulin, without cost barriers, is urgently needed,” he said.
Starting Jan. 1, the Inflation Reduction Act, signed into law by President Joe Biden in August, will cap the monthly cost of insulin at $35 for seniors on Medicare. The bill, however, will leave out millions of Americans with private health insurance as well as those who are uninsured.
Nearly 1 in 5 U.S. adults with diabetes ration insulin to save money, study finds
Young adults and the uninsured — those who will be left out of the Inflation Reduction Act’s monthly insulin cap — were the most likely to ration their medication.
Berkeley Lovelace Jr.
NBCNEWS