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"&amp;lt;p&amp;gt;In many states, the poorest of the poor get no help paying for health insurance and no help from &amp;lt;a href=&amp;quot;https://www.verywell.com/medicaid-what-is-it-1738746&amp;quot; title=&amp;quot;What&amp;amp;#39;s Medicaid?&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;1&amp;quot;&amp;gt;Medicaid&amp;lt;/a&amp;gt; despite the reforms of the &amp;lt;a href=&amp;quot;https://www.verywell.com/the-affordable-care-act-what-is-it-1738452&amp;quot; title=&amp;quot;What&amp;amp;#39;s the Affordable Care Act?&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;2&amp;quot;&amp;gt;Affordable Care Act&amp;lt;/a&amp;gt;. People living in poverty in one of the states that has chosen not to &amp;lt;a href=&amp;quot;https://www.verywell.com/what-is-medicaid-expansion-1738842&amp;quot; title=&amp;quot;Learn what expanding Medicaid means.&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;3&amp;quot;&amp;gt;expand Medicaid&amp;lt;/a&amp;gt; are too poor to qualify for a health insurance subsidy and don\u2019t qualify for Medicaid under their state\u2019s Medicaid eligibility rules. Absurdly, for the nation\u2019s most needy, the Affordable Care Act has done the least. Here\u2019s how this happened.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;Before the ACA, getting Medicaid was difficult. In most states, you had to be very low income and also fall within a category of particularly needy people such as pregnant women, children, those caring for a child under the age of six, the disabled, or the aged. If you were poor but didn\u2019t also fit within one of those categories, you weren\u2019t eligible for Medicaid.&amp;lt;/p&amp;gt;&amp;lt;h3&amp;gt;How Obamacare Was &amp;lt;em&amp;gt;Supposed&amp;lt;/em&amp;gt; to Work&amp;lt;/h3&amp;gt;&amp;lt;p&amp;gt;The original intent of the ACA was to do away with the old, complicated Medicaid eligibility rules and give Medicaid to everyone making up to 138% of &amp;lt;a href=&amp;quot;https://www.verywell.com/federal-poverty-level-health-insurance-1738406&amp;quot; title=&amp;quot;Learn what federal poverty level is, how it works, and see the actual figures for your area and family size.&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;4&amp;quot;&amp;gt;federal poverty level&amp;lt;/a&amp;gt;. That would provide free health insurance coverage with no (or very low) &amp;lt;a href=&amp;quot;https://www.verywell.com/deductible-1738691&amp;quot; title=&amp;quot;What&amp;amp;#39;s a deductible?&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;5&amp;quot;&amp;gt;deductibles&amp;lt;/a&amp;gt; and &amp;lt;a href=&amp;quot;https://www.verywell.com/cost-of-health-insurance-1738623&amp;quot; title=&amp;quot;What&amp;amp;#39;s a copayment?&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;6&amp;quot;&amp;gt;copayments&amp;lt;/a&amp;gt;. Medicaid was to be the nation\u2019s health insurance safety net.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;Those who were not poor enough to qualify for Medicaid under the expanded Medicaid eligibility rules, but couldn\u2019t afford to buy health insurance outright, would be given financial assistance to buy private health insurance on a &amp;lt;a href=&amp;quot;https://www.verywell.com/what-is-a-health-insurance-exchange-1738734&amp;quot; title=&amp;quot;What&amp;amp;#39;s a health insruance exchange?&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;7&amp;quot;&amp;gt;health insurance exchange&amp;lt;/a&amp;gt; according to this plan:&amp;lt;/p&amp;gt;&amp;lt;ol&amp;gt;&amp;lt;li&amp;gt;Those making up to 138% of FPL would get full Medicaid coverage for free.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Those making from 100%-250% of FPL would get multiple subsidies.&amp;lt;ul&amp;gt;&amp;lt;li&amp;gt;The &amp;lt;a href=&amp;quot;https://www.verywell.com/the-premium-tax-credit-what-is-it-1738766&amp;quot; title=&amp;quot;What&amp;amp;#39;s the premium tax credit health insruance subsidy?&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;8&amp;quot;&amp;gt;premium tax credit&amp;lt;/a&amp;gt; health insurance subsidy to help pay monthly health insurance premiums.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;The &amp;lt;a href=&amp;quot;https://www.verywell.com/what-is-cost-sharing-1738709&amp;quot; title=&amp;quot;What&amp;amp;#39;s the cost-sharing subsidy?&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;9&amp;quot;&amp;gt;cost-sharing subsidy&amp;lt;/a&amp;gt; to decrease their deductible, copayments, and coinsurance.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;The &amp;lt;a href=&amp;quot;https://www.verywell.com/how-the-subsidy-for-your-out-of-pocket-maximum-works-1738918&amp;quot; title=&amp;quot;How the Subsidy for Your Out-Of-Pocket Maximum Works.&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;10&amp;quot;&amp;gt;subsidy to lower their out-of-pocket maximum&amp;lt;/a&amp;gt;.&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Those making 250% of FPL-400% of FPL would get the premium tax credit subsidy to help pay their monthly health insurance premiums.&amp;lt;/li&amp;gt;&amp;lt;/ol&amp;gt;&amp;lt;h3&amp;gt;But, That\u2019s &amp;lt;em&amp;gt;Not&amp;lt;/em&amp;gt; What Happened&amp;lt;/h3&amp;gt;&amp;lt;p&amp;gt;Many Republican-led states objected to expanding Medicaid to thousands or even hundreds of thousands of new recipients in their states. Their leaders saw it as expanding an expensive social benefit program that would cost taxpayers too much.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;The Supreme Court &amp;lt;a href=&amp;quot;http://www.supremecourt.gov/opinions/11pdf/11-393c3a2.pdf&amp;quot; title=&amp;quot;Read the ruling yourself, here. (pdf)&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;externalLink&amp;quot; data-ordinal=&amp;quot;11&amp;quot;&amp;gt;ruled&amp;lt;/a&amp;gt; that the federal government couldn\u2019t punish states for not expanding Medicaid by taking away their federal Medicaid funding. This ruling effectively made Medicaid expansion optional for states, since there was no longer any financial penalty for non-compliance. Not surprisingly, most Republican-led states chose not to expand their Medicaid programs.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;In these states, the safety net of Medicaid for everyone making less than 138% of FPL doesn\u2019t exist. Unfortunately, due to the way the subsidy provisions of the ACA are worded, those folks aren\u2019t eligible for subsidies to help make buying health insurance more affordable, either.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;Subsidies are only available to those making between 100% and 400% of FPL, not to those making less than 100% of FPL. The ACA&amp;amp;#39;s authors intended that everyone making less 100% of FPL would be covered by Medicaid, so wouldn\u2019t need a subsidy. The overlap area between 100% of FPL and 138% of FPL was to allow a buffer to decrease the rate of people churning back and forth between Medicaid and subsidized health insurance as their incomes varied from month to month.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;Now, in states that have chosen not to expand Medicaid, those making less than 100% of FPL don\u2019t get Medicaid and they don\u2019t get a subsidy. The poorest of the poor get nothing unless they can eke out enough income to reach poverty level. &amp;lt;a href=&amp;quot;https://www.verywell.com/too-poor-insurance-subsidy-1738409&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;12&amp;quot;&amp;gt;Too Poor to Qualify for a Health Insurance Subsidy? What Now?&amp;lt;/a&amp;gt;&amp;lt;/p&amp;gt;&amp;lt;h3&amp;gt;More Information&amp;lt;/h3&amp;gt;&amp;lt;ul&amp;gt;&amp;lt;li&amp;gt;This Kaiser Family Foundation map shows &amp;lt;a href=&amp;quot;http://kff.org/health-reform/slide/current-status-of-the-medicaid-expansion-decision/&amp;quot; title=&amp;quot;http://kff.org/health-reform/slide/current-status-of-the-medicaid-expansion-decision/&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;externalLink&amp;quot; data-ordinal=&amp;quot;13&amp;quot;&amp;gt;which states are expanding Medicaid, and which aren\u2019t&amp;lt;/a&amp;gt;.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Learn more about &amp;lt;a href=&amp;quot;http://www.medicaid.gov/medicaid-chip-program-information/by-state/by-state.html&amp;quot; title=&amp;quot;Choose your state from the map or drop-down menu on this Medicaid.gov site.&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;externalLink&amp;quot; data-ordinal=&amp;quot;14&amp;quot;&amp;gt;Medicaid in your state&amp;lt;/a&amp;gt;.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;&amp;lt;a href=&amp;quot;https://www.verywell.com/medicare-and-medicaid-whats-the-difference-1738507&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;15&amp;quot;&amp;gt;What\u2019s the Difference Between Medicaid &amp;amp;amp; Medicare?&amp;lt;/a&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;"^^<http://www.w3.org/2001/XMLSchema#string>
<https://www.verywell.com/no-insurance-help-poorest-1738411>