Remaining uninsured face challenges in cost and simply signing up

Despite the Affordable Care Act, there are still millions of Californians without health insurance. Undocumented immigrants don’t qualify for Obamacare benefits, while many others find coverage still too expensive or face other obstacles in enrolling.

Lisa Morehouse produced this story for the California Report as a 2014 California Health Journalism Fellow. Other parts of this series include:

How the Affordable Care Act Impacts Safety Nets

Obamacare no help to undocumented immigrants

When the Affordable Care Act rolled out last fall, Californians enrolled in both Covered California and expanded Medi-Cal in high numbers. But there are still millions in the state without health insurance. Undocumented people don’t qualify for Obamacare benefits. Many others still find coverage too expensive, or face other obstacles in enrolling.

One of those people is Leaburn Alexander. I meet up with him at 6 a.m. as he is finishing his shift as the night janitor at a hotel near the San Francisco Airport. He clocks out just in time to catch the hotel’s shuttle back to SFO, where he will catch a bus.

“Right now I’m on the beginning of my commute,” he tells me. “After an eight hour shift, my commute is like 2 and a half hours.”

I accompany Alexander on his commute to East Palo Alto, about 20 miles south. It actually takes three hours, on the hotel shuttle plus three more buses. He does this commute 5 days a week.

Alexander doesn’t have a car. The train would be faster, but cost three times as much. Alexander has no wiggle room in his budget.

He says he makes just under $11 an hour, and after taxes, child support and other expenses, he brings home just enough to cover rent. And all the other bills? He has a second job to cover those. His wife has been looking for work for over a year, and his oldest daughter is in college. Alexander doesn’t have health insurance.

“When I first got this job,” he says, of his night janitor position, “they informed me about different employee packages, different benefits and all that.

But Alexander says he can’t afford the employee portion of the health insurance premium. Many people who are working lower wage jobs may qualify for Medi-Cal, California’s version of Medicaid, if their incomes are low enough. But because Alexander had been turned down for Medi-Cal in the past, he presumed he still wouldn’t qualify, even under Obamacare.

Earlier this year, he went to get a physical at a community clinic, and they tried to sign him up for a county program. But even the $20 a month payment was too steep for his budget.

While he’d like to be insured, Alexander, 53, says he feels pretty healthy.

“I mean, there’s times where I’d be tired from fatigue and my age, a little arthritis, but I still feel pretty good,” he says. “But what might be going on inside of me is a different story.”

Alexander’s blood pressure is high. He got free pills free from a clinic and plans to return when he runs out.

The only time in his adult life when he had health care was when he was incarcerated. He had substance abuse issues and was involved in a bank robbery. He says he had tried recovery programs, but didn’t succeed, until he became a born-again Christian.

“That was divine intervention. It really happened,” he says. “I been clean and sober since July, 2011.”

And so he’s grateful for what he’s got. He just doesn’t know how he’d get insurance right now.

The Remaining Uninsured

Uninsured Californians fall into a few categories, says Laurel Lucia with the U.C. Berkeley Labor Center. One is called the “family glitch.”

“Basically spouses and children who can get coverage through a family member’s employer but it’s too expensive,” she says.

Sometimes the employee part of the premium is affordable, but the family coverage is much higher. But because the employer made an offer of insurance to family members, “(w)hen they go to Covered California they’re told they’re ineligible for subsidies,” Lucia says. It’s part of federal policy.

A second uninsured group is Californians who are eligible for subsidies through Covered California — but still find the premiums unaffordable.

Finally, Lucia says there may be nearly one million Californians who are eligible for Medi-Cal but don’t know it, or have had difficulties enrolling.

It’s unclear exactly which category Alexander may fit into.

The Enrollment Counselor’s Perspective

Over in East Palo Alto, Irais Bazan is an enrollment and eligibility manager at the Ravenswood Family Health Clinic. Bazan has met people in all of those uninsured categories — and more.

“Situations can change at any minute,” she said. “So we’re adamant with clients, any changes, as little as you may think” must be reported right away. Things like adding a dependent — or subtracting one, if you are no longer declaring a child as a dependent on your taxes. Or even small changes in income may make a difference.

“You have to come back, let us know,” she says. “Sometimes these rules for these programs change.”

And someone who thought they weren’t eligible for Medi-Cal or Covered California subsidies before may be eligible now. That may describe Leaburn Alexander. But while coming back to the clinic sounds like a minor hassle, for him, it’s a big barrier.

“Scheduling time to do that, an appointment. It’s kind of rough, kind of hard right now,” Alexander says.

Just as Alexander has no wiggle room in his budget, he has precious little wiggle room in his schedule. After he wraps his overnight janitor job, he heads to a second job, washing dishes at a Stanford dining hall. He says he gets his sleep in 20 and 30 minute naps on his hours-long daily commute.

He has one full morning off each week, the only time he could meet with an enrollment counselor to update his family status, present income verification for himself and his wife, and see if he qualifies for health coverage. But that time is taken up with other needs of daily life.

“Come Wednesday,” he says, about his morning off, “that’s when my pastor comes and gets us and takes us grocery shopping.”

Alexander remains optimistic that his situation will improve.

“I’m hopeful that through prayer that God will bless me with a better paying job,” he told me. “I got a feeling, that’s coming. Because He knows my situation.”

Alexander hopes that job will be closer to home, and that he’ll have the time and money to get health coverage.

This story was originally published on KQED The California Report.

Photo Credit: Lisa Morehouse

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