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I am not covered and my spouse is not covered. This is a recent dev't. My spouse is unemployed due to hiring freezes of the school districts. I am "self employed" as the gov't defines it and my church does not pay my insurance. Before the baby, I paid about $250 a month for myself, with a $3500 deductible and it covered only 80% after that deductible, this was through the denomination's healthcare plan. We pay out of pocket for our child, $210 a month. Since he is unemployed and I make a pastor's salary, we had to choose between our insurance, the hospital bills before the deductible, have a roof over our heads and paying the rest of our bills. I am not a freeloader, my husband is not either....we simply cannot afford $500 of insurance in our current budget.
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