Looking For a Common Law Husband
Texas is a Common Law state. According to Findlaw.com, you can say you’re married and that’s it. No ceremony, no nothing.
Yet one more reason Texas is awesome.
I’m looking for a common law husband. Why? Because I need health insurance.
Those of you unhappily married may be asking why I don’t just get ObummerCare (intentionally misspelled) instead of going through marriage, common law or not. ObummerCare is too expensive – even with the low-income subsidy. The good hospitals won’t take the cheapest plans out there. That seriously limits my choices to providers you’ve actually heard of.
<Obummer rant on>
I’m going to momentarily digress to get political…
My long-time readers (if there are any of you left after my recent absence – thank you!) know I’m not one to get on political rants, but my recent experience trying to sign up for ObummerCare has prompted this one.
Texans tend to be a might prejudiced against anyone who once lived in California, even if you weren’t born there, like myself. Whenever Obama is mentioned in a conversation, someone invariably looks over at me and makes some comment about my having voted for him – just because I once lived in California.
I did not vote for Obummer. Have y’all not see my We’re in an Obamanation gear on Zazzle? That’s been on my site for far longer than ObummerCare has been around.
<Obummer rant off>
Why does a mature 40-something 29-year-old, dammit! woman like myself care about health insurance? Because I need some serious tests done, and likely surgery, and the clinics don’t do that stuff. They have provided all the tests they can at this point. (Without going into detail, it’s something many women have gone through. It’s super sucky going through it A: without the ability to get healthcare, and B: single. Hospital surgery = recovery time at home. As much as I love her, I’m pretty sure Pye won’t be much help during that time.)
So, husband. A husband with good insurance.
My dear friend, and fellow Californian transplanted to Texas, has offered to be my common law husband. I could get on his insurance, and pay the difference. I would gladly take him up on his kind offer, except his insurance rates are through the roof. They skyrocketed when ObummerCare first went into effect. Now, I couldn’t afford his high deductible or the increase in premium.
So, as hot as my California-Texan friend is (and he is hot, ladies), I had to decline the first decent marriage proposal I’ve had in ages. One that came with health insurance. He wouldn’t have been able to help with the recovery time anyway, but I would’ve crossed that bridge when I came to it.
No, I did not sign up for ObummerCare, either. For the premium, they want a huge chunk of my monthly income (such as it is), and that’s not counting deductibles and co-pays. It’s more than I can afford, especially since I most likely need surgery and a brief hospital stay.
Clinical Trials
For years I would hear the rare mention of clinical trials. Then I met someone who has done clinical trials to supplement his income. Yes, they pay you to be a lab rat! Plus, should the trial be something for which you’d like a cure, you also get FREE health care. Goodbye, ObummerCare! (insert hand gesture)
I’ve contacted a few clinics from Dallas to Houston to San Antonio regarding trials for my situation, doing a few of the various procedures/surgery that could make me all better. But, they all require one or two tests which I haven’t got: an ultrasound and/or an MRI.
The mid-sized clinic I’ve been going to in Austin doesn’t do either imaging test, or the surgery. And they don’t do clinical trials. This leaves a gap between the basic tests and minor procedures affordable clinics can do, and the surgeries or invasive procedures insurance or clinical trials will take care of.
So, if you’re single, male (no domestic partnerships in Texas yet), and live in Texas, we should get married because ObummerCare isn’t going to happen for me. Bonus points if you’re a surgeon, or can provide an MRI or ultrasound. I’ll be your Domestic Goddess in return. I cook, clean and can get/keep you healthy. Ok, so my cooking skills are so-so (hey, I haven’t made anyone sick, so it could be worse), but I excel at baking, keep a clean house and don’t snore (much?). Oh, I come with a cat. You’ll get used to her, Pye grows on you.
i seem to have missed the part where you explain why you won’t marry the hot, cal/Texan friend who has already agreed to marry you? Other than insurance is expensive?
My hot Cal-Teaxn friend and I are not an “item”. In fact, we’ve both been in Texas for over two years and haven’t seen each other since we both lived in California. The point of my post is my need for insurance… which is how/why the common law marriage came up. I have several friends who’ve done that for other friends, even going through traditional marriage in California (before Domestic Partnership was an option).
Don’t sell yourself short. You are also cute, and come with a rolling apartment.
Aww, thank you. 🙂 Yes, the rolling home is a huge plus. I should probably lead with that.
Have you considered seeing if you qualify for aid? they might be able to help. Only problem with common law I believe they are as bad as a registered marriage for getting rid of them..rofl.
I did read that a traditional divorce is required to dissolve a common law marriage. But I spoke with someone last night who said it wasn’t necessary, unless you owned property or had kids together. Yes, I do qualify for some aid, but Texas doesn’t offer Medicare for anyone without a dependent at home, a disability, or under 65. The ObummerCare subsidy doesn’t cut it.
I put my girlfriend on mine. We became domestic partners, we have only lived together a few months.
Yay, Gary! Gotta love California for Domestic Partnerships! A lot like Common Law marriage, I assume, but without the requirement regarding opposite genders.
Some fascinating reading on working with the crazy dance of the Obamacare monster can be found at this link.
http://obamacareguide.wordpress.com/2013/10/21/evolution-of-magi/
Some posts suggest you can tweak the math a little , since the subsidy is based on estimated 2015 MAGI (not AGI).
Contributions to traditional IRAs, and even Health Insurance Savings account can effect your subsidy levels (because MAGI).
Also choosing a higher plan can effect some co pays in positive ways when at certain income levels.
Anyway, sorry for your heath worries,
—
Dale
Thank you for the well-wishes and health info! 🙂 This ObummerCare thing is bumming me out.
Also be sure to take a peek at the silver plans, those can have reduced cost sharing (co-pays/out of pocket stuff), if your magi is below 22,980.
I was looking at the silver plans, and like those the best.
Blast – I don’t live in Texas 🙁
I’m sorry, too, CooP! 😉
Sorry to hear about your troubles…Why the hell are you still in that butthole of the country? You might feel better if you get out of that stink’n desolate butthole. Just sayin.
Hi Scooter, I’m here because I don’t see Texas like that… I like the country, and Texas in general. Moving won’t change what’s going on. I really like the area I’m at now, and I work a short drive away. I think you should give Texas another shot. Heck, gas is straddling $2 per gallon! Can’t beat that in California!
No thank you. I drove 700 extra miles so that I didn’t have to drive through Texas to get to FL. If you lived in another state the Affordable Care Act might actually be affordable. By the way, you can thank your right wing buddies in congress for dismantling the Affordable Care Act to the bastardized version it is today…AND they keep trying to dismantle it without having anything else to offer. Good luck.
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