I just checked American health insurance with the family member... it's too long to quote in full, but this will make you very glad we have the NHS in the UK.....
'To qualify for Medicaid, you have to be below the poverty line, which is under $ 7.35 an hour. Individual states can opt out of receiving additional funds from the Federal government, and the Republican states, such as Georgia, have refused the funds. Almost all states were given additional Federal funding during COVID, to cover the higher than normal medical costs. Georgia, Alabama, Tennessee, Texas, and others, have since declined further funding, and thrown thousands off the Medicaid list.
ObamaCare is an option, which is better than nothing, but you have co-pays, deductibles, and out of pocket maximums. Again, in Red states (Republican), there has been a steady reduction of insurers willing to offer plans under ObammaCare.
Most insurance is provided by employers, which locks you into working purely for the insurance. If you switch jobs, your insurance is canceled on the day you stop working for the old employer, and does not take effect with the new one (assuming the offer it) until 90 days after you start work.
Yes, you can get private insurance. You can also buy an aeroplane or a gold plated toilet. You can buy anything, if you have the money.
When we looked into ObamaCare when *** started getting sick, we were classed as too wealthy for a subsidy. Cheapest plan we could find was
$ 2500 / month, with copays, deductibles, & out of pocket maximums tacked on.
Yes, no hospital can turn you away in a life threatening condition, but they can also take your house if you can't pay the bill. Let's say you go to hospital with a heart attack. The hospital's only responsibility is to get you stabilized. Then you are out. There is no entitlement to any further follow up care.'