For most of his career as a public school teacher, my husband’s paycheck has hovered just above the poverty level for our family. This past summer, my children even qualified for the free lunch program through the schools.
Today, with my husband’s 20 years of teaching experience and a Masters degree, his pay is about $19,000 above the poverty level for a family of our size in our state. He has reached the top of the teaching pay scale at our school, which means his income will not increase after this year, but with five children, two of them teens and two on the brink, we are entering one of the most expensive phases of our lives.
Although we have talked about my husband leaving teaching many, many times, the discussion always comes back to one sticking point: health insurance.
Our health insurance is great
We are extremely fortunate the teachers’ union that my husband’s school works with has always advocated for top-tier healthcare. Part of that is many teachers and teacher’s families who have special health needs, but regardless of the catalyst, our family has always enjoyed what I feel is excellent health insurance.
Our annual family deductible is $2,000, and we have a PPO, which means I’ve never had to deal with referrals or even prior authorization. I’ve never had to fight an insurance company, and we’ve never had a denial.
There was a time in my life when we were first married and still in college when I used Medicaid for my pregnancy. I felt so ashamed every time I went to the doctor, although I was incredibly grateful that I never paid a dime during my pregnancy, and it allowed me to graduate from college as a nurse exactly one week before delivering my baby.
Despite my shame in using Medicaid, the experience also opened our eyes to how important health insurance is because I had postpartum complications that led me to have two hospitalizations after giving birth.
The statements were mailed to our house after I had recovered, and when I saw how high the statements were for those bills and then realized they had been fully covered, I wept in relief. At that time in our lives, as brand-new parents and new college graduates, a $20,000 hospital bill would have ruined our lives. Instead, we were able to start our adult lives fresh and immediately started working, paying back into the system that saved us.
We don’t have crippling medical bills
With those memories in hand and five children we are responsible for, we have always felt that any potential lower income as a public school teacher has been worth it for access to high-quality health insurance. We’ve been fortunate not to have any true medical emergencies, but even with seemingly “normal” medical events, like a premature baby and a weeklong NICU stay, we have still not experienced any of the crippling medical bills that haunt many American families.
I do wish that teachers were paid just a little higher, especially considering how highly valued they were during the pandemic, but for us, health insurance alone has made it worth it.
I don’t know what will happen in the future, especially with education and healthcare, but I do hope that we can continue to prioritize the health insurance that has made our lives possible to this point because it provides us with a lot of peace of mind. But even more so, it might be nice to get to a point in society when employer-tied health insurance doesn’t rule our decision-making.
The post My husband is a teacher and the sole earner for our family of 7. Money is tight, but it’s worth it for his health insurance. appeared first on Business Insider.
