All Low Income Employees Should Be Privy to Income/Expenditure-based Public Health Insurance (Medicaid and/or Medicare)

All employees should be privy to either private and/or public health insurance (Medicaid and/or Medicare) where applicable, and should pay required premiums for private plans and reasonable income/expenditure-based premiums for public plans. This is important, for one, because many cannot afford private health insurance, and no one at any time should be without some form of health plan. When one does not have health insurance, it is a financial detriment to both the individual and their healthcare providers who cannot deny them services. This simply should not be.

Availing a public health option for all workers (whether or not they are 19 years of age or older) would enable continued health plans beyond the scope of employment without subject individuals having to pay any premium when they are unemployed or between jobs or in instances where one is temporarily employed and not privy to benefits or where one is challenged to sustain employment due to health and/or transportation issues...

The reality is that many if not most cannot afford COBRA (Consolidated Omnibus Budget Reconciliation Act) when they are unemployed because they are required to pay both their regular premium and their former employer's portion with less or no income. The average person can hardly afford their traditional premium excluding their employer's share. The average worker can neither afford Obamacare or healthcare that is available via Healthcare.gov... 

Years ago, I endeavored to enroll my father in a health plan via Healthcare.gov. I reported no income for him, and he was not receiving any formal income; when I truthfully indicated his marriage to my mother, who was receiving circa $900.00 monthly in Social Security benefits, we received a decision of his requirement to pay about $400 monthly for health insurance...

This was impractical, of course; it was abusive in fact. My father did eventually acquire healthcare (Medicaid) through the state with no required premium after further pleading his case to the Department of Human Services. Others in similar circumstances have not been so privileged, however...

...Essentially, everyone who can afford private health insurance should be required to have it, and everyone who cannot afford private health insurance should be required to have a public plan for which an income-based premium would be automatically deducted from their pay...

This would encourage more preventive care, which, alone, would save billions of dollars that would ordinarily be paid for emergency care that often goes unpaid for those lacking health insurance. It would drastically improve the quality of life for those who currently do not have it. This would translate to healthy individuals and communities.