Size Does Matter
Since the dawn of time, women have been telling men that size doesn’t matter but, oh, how times have changed. Size does matter, at least when it comes to your benefits package.
These days, as you stroll out into the single scene, you just might want to dangle your group health insurance card as a tantalizing offering to the opposite sex. For maximum appeal, make sure the side with the co-pay amount is clearly visible.
That would be enough to capture the attention, and perhaps the heart, of Terri Carlson, the creator of the website: WillMarryforHealthInsurance.com. According to Ms. Carlson, her job does not offer health insurance. In anticipation of reaching the end of her COBRA benefits period, which is barely affordable itself, she has been seeking coverage in the individual market. Her chronic pre-existing condition has resulted in denials across the board. Most states allow insurers to deny coverage due to health reasons.
What’s a lady to do? Why, advertise for a husband, of course. Not just any husband, but one with a substantial benefits package that includes group coverage for a spouse. Of particular interest is the co-pay.
Is this woman for real? Whether or not she is, marrying for health insurance benefits is certainly not a new concept. A 2008 Kaiser Family Foundation poll found that seven percent of respondents said that they, or someone in their household, had decided to get married to obtain health insurance through their spouse… that was two years ago… and that was the seven percent who would admit it. One must assume that a lot of people would be rather reluctant to admit this as their reason for marrying.
Then there are the couples want to, but don’t marry, because a child who previously qualified for aid would lose it upon marriage, and the couple would be unable to afford it on their own; or those who divorce in order for one of them to qualify for Medicaid; or miserable couples who stay together to avoid the fate of the uninsured.
Rising unemployment and the difficulty encountered in the individual market are contributing the the rising tide of uninsured. Those with pre-existing conditions are at particular risk, with both their health and their financial stability — meaning keeping a roof over your head, food on the table, and clothes on your back — hanging in the balance.
It’s hard to blame folks for trying to survive the inhumane and antiquated maze of red tape we refer to as our “health care system.”
So if you’re on the market for a mate, a large benefits package just may make you the most popular single in town.
“In sickness and in health” is taking on a whole new meaning.
Related reading on Care2: