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Coverage Worries Persist Amid Relief Over Health Care Ruling

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Affordable Care Act participant Kim Jones poses for a photo in her home in Wake Forest, N.C., Thursday, June 25, 2015. Jones said the Affordable Care Act has been a blessing to her who could not have otherwise afforded the medical care she has received during treatment for a tumor on her brain. The Supreme Court decided Thursday to uphold the Affordable Care Act subsidies. (AP Photo/Gerry Broome)

Affordable Care Act participant Kim Jones poses for a photo in her home in Wake Forest, N.C., Thursday, June 25, 2015. Jones said the Affordable Care Act has been a blessing to her who could not have otherwise afforded the medical care she has received during treatment for a tumor on her brain. The Supreme Court decided Thursday to uphold the Affordable Care Act subsidies. (AP Photo/Gerry Broome)

CARLA K. JOHNSON, Associated Press

CHICAGO (AP) — Throughout the country, relief was the dominant emotion among consumers who get help from the government to lower their health insurance costs following Thursday’s Supreme Court ruling upholding the subsidies underpinning President Barack Obama’s health care overhaul.

Many consumers expressed somewhat conflicting views: They were happy their monthly premiums would continue to be affordable but exasperated by the coverage the policies purchased on the new health care exchanges provide.

“I don’t particularly care for Obama. I didn’t vote for him,” said Salt Lake City resident Paige Preece, whose subsidy allows her to buy insurance for $137 a month. “But, honestly, if it weren’t for this, I would be absolutely lost.”

The court’s 6-3 ruling upheld the federal financial assistance to millions of low- and middle-income Americans to help pay for insurance premiums regardless of where they live. An estimated 6.4 million people in the 34 states that used the federal health care exchange were at risk of losing the subsidies because their home states did not set up their own insurance exchanges.

The case turned on just a few words in the mammoth Affordable Care Act that suggested the federal subsidies could go only to consumers in states that operated their own health insurance marketplaces. Consumers in those states or in ones that fell back on the federal exchange when their own exchanges faltered were not affected by the case.

“Congress passed the Affordable Care Act to improve health insurance markets, not to destroy them,” Chief Justice John Roberts declared in the majority opinion.

Polls taken before Thursday’s ruling suggested that most Americans wanted the court to uphold the subsidies. In an April Associated Press-GfK poll, 56 percent preferred that the court rule in favor of the Obama administration, while 39 percent wanted the court to rule for the other side.

Lydia DeJesus, who helps people sign up for coverage in Dickinson, North Dakota, said she has noted that division among consumers concerning the health care law, even among those receiving significant subsidies that make their policies more affordable.

“There are people who have services who never had services,” she said. “But there are people who were forced to have insurance and really don’t consider it affordable. Some people have told us they’d rather pay the fine as opposed to having health insurance.”

In Gresham, Oregon, Anna Mar, 28, said she is still no fan of what she calls “Obamacare.” She is a stay-at-home mom with two young boys. Her husband works in construction.

“The plan hardly covers anything, so I avoid going to the doctor,” Mar said. “I love the idea of everyone having health care, but it’s not affordable for us.”

For herself, Mar bought the cheapest plan on the exchange she could find: $134 a month, with a high deductible and high co-pays. Her government subsidy is $40. The couple’s children qualify for Medicaid, the state-federal health program for those with lower incomes.

Other consumers said they were grateful for the health care reforms and for Thursday’s ruling allowing the subsidies to continue.

Kim Jones, a substitute teacher in Wake Forest, North Carolina, said she once used the emergency room for her care. With the health insurance plan she purchased on the federal exchange, she now can afford follow-up treatment after surgery last summer to remove a brain tumor.

Jones, 60, said she was without health insurance for about a decade because of the part-time jobs she took to allow her to care for an elderly parent. Her current coverage costs her about $27 a month, after the government subsidy of more than $500. She continues to take medication and had worried about losing coverage.

“I know it helped so many people, and a lot of folks like myself who had fallen through the cracks were finally getting some kind of help with health issues,” Jones said after the ruling.

In Norman, Oklahoma, Kelli Nicole Smith, a 26-year-old baker who earns $11 an hour at a candy shop, said she was relieved to learn she would still receive the $99 monthly subsidy that she used to purchase a health plan. Without it, Smith said she probably would have considered buying less healthy food or downgrading her mobile phone plan.

“I would have choices, but they wouldn’t be comfortable,” said Smith, who ends up paying about $60 a month for a plan with relatively high co-pays, including $500 for an emergency room visit. “Or I would have to consider finding a job that maybe pays more that I don’t really want to do.”

Advocates such as Walter Davis of the Tennessee Health Care Campaign, used the Supreme Court decision to urge lawmakers in Tennessee to increase Medicaid access, an expansion that was made optional by an earlier Supreme Court ruling.

“Tennessee has failed to expand Medicaid and is falling further behind, leaving thousands of people unnecessarily uninsured and without access to affordable health coverage,” he said in a written statement. “Now Tennessee policymakers should recognize health reform is working, abandon efforts to undermine it, and instead take advantage of the opportunities that health reform offers to improve lives.”

Those with medical issues took the most comfort in the Supreme Court’s ruling and Obama’s assertion afterward that “the Affordable Care Act is here to stay.”

“I’m starting to cry just talking about it,” said Susan Halpern, a 55-year-old breast cancer survivor from Columbus, Ohio, who immediately posted the news to Facebook.

With an irregular income as a freelance contractor, she said the subsidy makes a huge difference. Without it, she said the only way she could continue to pay the premium would be to drain her retirement savings.

“This has saved my ability to retire someday,” Halpern said. “I know tens of thousands of Americans were looking at it the same way.”

___

Associated Press writers Emery P. Dalesio in Raleigh, North Carolina; Travis Loller in Nashville, Tennessee; James MacPherson in Bismarck, North Dakota; Sean Murphy in Oklahoma City; Michelle L. Price in Salt Lake City; and John Seewer in Toledo, Ohio, contributed to this report.

Copyright 2015 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Advice

BOOK REVIEW: Let Me Be Real With You

At first look, this book might seem like just any other self-help offering. It’s inspirational for casual reader and business reader, both, just like most books in this genre. Dig a little deeper, though, and you’ll spot what makes “Let Me Be Real With You” stand out.

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Book cover of Let Me Be Real With You and author Arshay Cooper. Courtesy of HarperOne.
Book cover of Let Me Be Real With You and author Arshay Cooper. Courtesy of HarperOne.

By Terri Schlichenmeyer

 Author: Arshay Cooper, Copyright: c.2025, Publisher: HarperOne, SRP: $26.00, Page Count: 40 Pages

The hole you’re in is a deep one.

You can see the clouds above, and they look like a storm; you sense the wind, and it’s cold. It’s dark down there, and lonesome, too. You feel like you were born there — but how do you get out of the deep hole you’re in? You read the new book “Let Me Be Real With You” by Arshay Cooper. You find a hand-up and bring someone with you.

In the months after his first book was published, Cooper received a lot of requests to speak to youth about his life growing up on the West Side of Chicago, his struggles, and his many accomplishments. He was poor, bullied, and belittled, but he knew that if he could escape those things, he would succeed. He focused on doing what was best, and right. He looked for mentors and strove to understand when opportunities presented themselves.

Still, his early life left him with trauma. Here, he shows how it’s overcome-able.

We must always have hope, Cooper says, but hope is “merely the catalyst for action. The hope we receive must transform into the hope we give.”

Learn to tell your own story, as honestly as you know it. Be open to suggestions, and don’t dismiss them without great thought. Know that masculinity doesn’t equal stoicism; we are hard-wired to need other people, and sharing “pain and relatability can dissipate shame and foster empathy in powerful ways.”

Remember that trauma is intergenerational, and it can be passed down from parent to child. Let your mentors see your potential. Get therapy, if you need it; there’s no shame in it, and it will help, if you learn to trust it. Enjoy the outdoors when you can. Learn self-control. Give back to your community. Respect your financial wellness. Embrace your intelligence. Pick your friends and relationships wisely. “Do it afraid.”

And finally, remember that “You were born to soar to great heights and rule the sky.”

You just needed someone to tell you that.

At first look, this book might seem like just any other self-help offering. It’s inspirational for casual reader and business reader, both, just like most books in this genre. Dig a little deeper, though, and you’ll spot what makes “Let Me Be Real With You” stand out.

With a willingness to discuss the struggles he tackled in the past, Cooper writes with a solidly honest voice that’s exceptionally believable, and not one bit dramatic. You won’t find unnecessarily embellished stories or tall tales here, either; Cooper instead uses his real experiences to help readers understand that there are few things that are truly insurmountable. He then explains how one’s past can shape one’s future, and how today’s actions can change the future of the world.

“Let Me Be Real With You” is full of motivation, and instruction that’s do-able for adults and teens. If you need that, or if you’ve vowed to do better this coming year, it might help make you whole.

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Advice

Support Your Child’s Mental Health: Medi-Cal Covers Therapy, Medication, and More

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When children struggle emotionally, it can affect every part of their lives — at home, in school, with friends, and even their physical health. In many Black families, we’re taught to be strong and push through. But our kids don’t have to struggle alone. Medi-Cal provides mental health care for children and youth, with no referral or diagnosis required.

Through  California Advancing and Innovating Medi-Cal (CalAIM), the state is transforming how care is delivered. Services are now easier to access and better connected across mental health, physical health, and family support systems. CalAIM brings care into schools, homes, and communities, removing barriers and helping children get support early, before challenges escalate.

Help is Available, and it’s Covered

Under Medi-Cal, every child and teen under age 19 has the right to mental health care. This includes screenings, therapy, medication support, crisis stabilization, and help coordinating services. Parents, caregivers, and children age 12 or older can request a screening at any time, with no diagnosis or referral required.

Medi-Cal’s Mental Health and Substance Use Disorder Program 

For children and youth with more serious mental health needs, including those in foster care or involved in the justice system, Medi-Cal offers expanded support, including:

  • Family-centered and community-based therapy to address trauma, behavior challenges, or system involvement.
  • Wraparound care teams that help keep children safely at home or with relatives.
  • Activity funds that support healing through sports, art, music, and therapeutic camps.
  • Initial joint behavioral health visits, where a mental health provider and child welfare worker meet with the family early in a case.
  • Child welfare liaisons in Medi-Cal health plans who help caregivers and social workers get services for children faster

Keeping Kids Safe from Opioids and Harmful Drugs

DHCS is also working to keep young people safe as California faces rising risks from opioids and counterfeit pills. Programs like Elevate Youth California and Friday Night Live give teens mentorship, leadership opportunities, and positive outlets that strengthen mental well-being.

Through the California Youth Opioid Response, families can learn how to avoid dangerous substances and get treatment when needed. Song for Charlie provides parents and teens with facts and tools to talk honestly about mental health and counterfeit pills.

DHCS also supports groups like Young People in Recovery, which helps youth build skills for long-term healing, and the Youth Peer Mentor Program, which trains teens with lived experience to support others. These efforts are part of California’s strategy to protect young people, prevent overdoses, and help them make healthier choices.

Support for Parents and Caregivers

Children thrive when their caregivers are supported. Through CalAIM’s vision of whole-person care, Medi-Cal now covers dyadic services, visits where a child and caregiver meet together with a provider to strengthen bonding, manage stress, and address behavior challenges.

These visits may include screening the caregiver for depression or anxiety and connecting them to food, housing, or other health-related social needs, aligning with CalAIM’s Community Supports framework. Notably, only the child must be enrolled in Medi-Cal to receive dyadic care.

Family therapy is also covered and can take place in clinics, schools, homes, or via telehealth, reflecting CalAIM’s commitment to flexible, community-based care delivery.

Additionally, BrightLife Kids offers free tools, resources, and virtual coaching for caregivers and children ages 0–12. Families can sign up online or through the BrightLife Kids app. No insurance, diagnosis, or referral is required.

For teens and young adults ages 13–25, California offers Soluna, a free mental health app where young people can chat with coaches, learn coping skills, journal, or join supportive community circles. Soluna is free, confidential, available in app stores, and does not require insurance.

CalHOPE also provides free emotional support to all Californians through a 24/7 support line at (833) 317-HOPE (4673), online chat, and culturally responsive resources.

Support at School — Where Kids Already Are

Schools are often the first place where emotional stress is noticed. Through the Children and Youth Behavioral Health Initiative (CYBHI), public schools, community colleges, and universities can offer therapy, counseling, crisis support, and referrals at no cost to families.

Services are available during school breaks and delivered on campus, by phone or video, or at community sites. There are no copayments, deductibles, or bills.

Medi-Cal Still Covers Everyday Care

Medi-Cal continues to cover everyday mental health care, including therapy for stress, anxiety, depression, or trauma; medication support; crisis stabilization; hospital care when needed; and referrals to community programs through county mental health plans and Medi-Cal health plans.

How to Get Help

  • Talk to your child’s teacher, school counselor, or doctor.
  • In Alameda County call 510-272-3663 or the toll-free number 1-800-698-1118 and in San Francisco call 855-355-5757 to contact your county mental health plan to request an assessment or services.
  • If your child is not enrolled in Medi-Cal, you can apply at com or my.medi-cal.ca.gov.
  • In a mental health emergency, call or text 988, the Suicide and Crisis Lifeline.

Every child deserves to grow up healthy and supported. Medi-Cal is working to transform care so it’s accessible, equitable, and responsive to the needs of every family.

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Activism

ESSAY: The Hidden Toll — Federal Rollbacks Threaten Black Women’s Health in California

Nutrition assistance programs, which many Black women rely on to keep their families healthy and out of the hospital, are similarly endangered. Nearly half of Black women in California receive WIC, and 47% percent use CalFresh. Cuts or cost-shifts in those programs would worsen food insecurity, especially during pregnancy and postpartum. Malnutrition or diet instability can lead to adverse birth outcomes, weakened immunity, and worse recovery from medical interventions.

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Kellie Todd Griffin, President and CEO California Black Women's Collective Empowerment Institute. CBM photo by Ian Foxx.
Kellie Todd Griffin, President and CEO California Black Women's Collective Empowerment Institute. CBM photo by Ian Foxx.

By Kellie Todd Griffin, Special to California Black Media Partners

If recent proposals in Congress to cut funding for federal social programs succeed, the downstream effects will not be abstract or distant.

They will be immediate and blunt — and felt in every clinic, every hospital, and most homes where Black women are struggling to maintain our health, care for her children, and stay afloat. In California, where Black women already navigate a terrain of deep systemic inequities, these cuts would be catastrophic.

As a lifelong advocate for Black women in California — through my research and lived experience – I’ve seen firsthand the entrenched medical and social disparities that leave too many Black women struggling to live healthy, fulfilling lives.

Across the spectrum of care — from mental, maternal, and perinatal health to chronic diseases like diabetes, hypertension, cancer, and uterine fibroids — Black women in California continue to bear a disproportionate burden.

Implicit bias in maternity care, for example, continues to be a challenge. It is a documented contributor to the fact that, in California, Black women die from pregnancy-related causes at three to four times the rate of White women.

Now, federal proposals on the table to slash funding for the very programs Black women rely on most: Medicaid (Medi-Cal in California) SNAP/CalFresh, WIC, and federal housing and income supports. As reported in the California Budget and Policy Equity on the Line report, about one in three Black women and children in California currently depend on Medi-Cal. If federal cuts were to force reductions in eligibility, benefits, or provider reimbursements, many Black women would lose access to primary care, chronic disease management, reproductive care, mental health and substance-use treatment, cancer screenings, and prenatal/postnatal services.

In a state already grappling with stark racial health disparities, removing coverage is not just harmful — it magnifies injustice. Black women in California face higher rates of poor health overall, lower life expectancy, and worse prenatal care statistics.  When the safety net frays, they will be forced into impossible trade-offs: skip medications, delay care, or incur medical debt.

Nutrition assistance programs, which many Black women rely on to keep their families healthy and out of the hospital, are similarly endangered. Nearly half of Black women in California receive WIC, and 47% percent use CalFresh. Cuts or cost-shifts in those programs would worsen food insecurity, especially during pregnancy and postpartum. Malnutrition or diet instability can lead to adverse birth outcomes, weakened immunity, and worse recovery from medical interventions.

Compounding the harm is the assault on social determinants of health. The Equity on the Line analysis shows that housing assistance, income support, and childcare subsidies are already stretched thin. Any rollback will accelerate housing instability, homelessness risk, and family stress — all of which manifest in worse health outcomes: higher hypertension, depression, chronic illness, and reduced ability to adhere to medical regimens.

California has taken important steps to protect Black women’s health. One good example is Assembly Bill, AB 2319, authored by Assemblymember Lori D. Wilson (D-Suisun City). That law strengthens the Dignity in Pregnancy and Childbirth Act by expanding and enforcing implicit bias training for providers in perinatal settings, and requiring reporting and penalties for noncompliance.

The state is also taking legal and policy action to mitigate the impact of cuts to SNAP/CalFresh food stamp benefits – like mobilizing $80 million in state funds to support food banks. It is also taking action to shore up against federal cuts to Medi-Cal.

In our communities, organizations like California Black Women’s Health Project and Black Women for Wellness are already doing the groundwork — advocating for culturally centered care, education, and infrastructure to mitigate harm.

As Californians, we must all roll up our sleeves and amplify and bolster their efforts. These organizations serve as our voice.  They are our watchdogs, too, documenting where bias persists, where systems fail, and where state enforcement is weak.

The stakes are too high for complacency. As we strategize to keep Black women healthy, we must also document and share our stories with others — every death, every untreated illness, every delayed pregnancy.

Let us be resolute, organized, hopeful, and persistent. California can be a model of how a state defends Black women’s health amid significant challenges, presenting a full vision to America, and the world, of how we can make health justice a reality and make California healthier for all our communities.

About the Author

Kellie Todd Griffin, President and CEO of the California Black Women’s Collective Empowerment Institute.  With a deep commitment to equity and justice, she champions initiatives that amplify the voices and influence of Black women across California. Known for her strategic insight and passion for community empowerment, Kellie is a driving force in fostering systemic change and collective progress.

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