Still does not answer the question of how a man who will file short form, and will not be able to find ins because of preexisting conditions for both will ever dig themselves out of the hole they are in.
I tied what little savings I have into annuities, Marital Trust and then secondary trusts.
When I did that they panicked and thought there was actual money in a Trust that would get her Medicaid cut off. I left neither of them a dime. Goes to grandson for college/trade school, books and tuition only per semester, want more get a job! 1 ER grant of $500 if it meets the approval need to the trustees who are not his parents.
Supposedly insurance companies cannot turn you down for preexisting conditions because of the ACA provisos, that has been in effect for a while now I believe. True, you have to apply during open enrollment and may have to pay more because of it, but one can find insurance (it’s the whether or not you can pay for it part that gets in the way). A person who has the right income base and preexisting conditions can get subsidized or free health insurance (medicare/medicaid). The choices may not be to your liking, but they are there.
I don’t understand your last sentence, would you please re-phrase?