{"id":62,"date":"2015-01-06T15:38:47","date_gmt":"2015-01-06T15:38:47","guid":{"rendered":"http:\/\/stories.kera.org\/onecrisisaway\/?p=62"},"modified":"2016-04-22T13:46:33","modified_gmt":"2016-04-22T13:46:33","slug":"pushed-to-the-edge-facing-a-tough-choice","status":"publish","type":"post","link":"https:\/\/stories.kera.org\/onecrisisaway\/2015\/01\/06\/pushed-to-the-edge-facing-a-tough-choice\/","title":{"rendered":"Pushed To The Edge, Facing A Tough Choice"},"content":{"rendered":"<p><strong>Several weeks after we visited Natalie, her life took another turn. She and her young son, Samuel, had to give up their apartment. A new monthly bill jolted her finances.<\/strong><\/p>\n<hr \/>\n<p>A court agreement with Samuel\u2019s father requires Natalie to buy health insurance for their child.<\/p>\n<p>\u201cIt\u2019s a very hard choice,&#8221; Natalie said. &#8220;Do I put a roof over my head? Or do I have insurance and go to a shelter?\u201d<\/p>\n<p>Here\u2019s what Natalie tried. First, she applied for assistance from programs like Medicaid and CHIP, the Children\u2019s Health Insurance Program. Both those applications were denied.<\/p>\n<p>\u201cIt doesn\u2019t work out,&#8221; she says. \u201cI\u2019m working, I\u2019m productive, I\u2019m paying taxes, I\u2019m doing everything I\u2019m supposed to &#8212; but, still, there\u2019s zero help.\u201d<\/p>\n<h4>A Punch in the Stomach<\/h4>\n<p>Then, Natalie looked into coverage under the Affordable Care Act. She, like many people, had trouble logging onto the website. Her employer offers insurance. Because she was up against an enrollment deadline at work, that\u2019s the policy she chose. But she says the monthly premium is more than she can afford.<\/p>\n<div style=\"width: 512px;\" class=\"wp-video\"><!--[if lt IE 9]><script>document.createElement('video');<\/script><![endif]-->\n<video class=\"wp-video-shortcode\" id=\"video-62-1\" width=\"512\" height=\"288\" preload=\"metadata\" controls=\"controls\"><source type=\"video\/mp4\" src=\"http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/berquist2a-1391210786-2.mp4.mp4?_=1\" \/><a href=\"http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/berquist2a-1391210786-2.mp4.mp4\">http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/berquist2a-1391210786-2.mp4.mp4<\/a><\/video><\/div>\n<p>&nbsp;<\/p>\n<p>\u201cThat\u2019s $400. Even lowering my apartment rent and going to the smallest apartment here was not going to work. It still left me short paying food, electric, gas and phone,\u201d Natalie says.<\/p>\n<p>And because she can\u2019t go without any of that, in order to buy insurance, Natalie had to let her apartment go.<\/p>\n<p>She applied for beds at a local shelter. She was denied. But her brother agreed to let her and Samuel share a room in his house for a small, monthly rent.<\/p>\n<p>\u201cI just feel like somebody punched me in my stomach,\u201d Natalie says. \u201cIt\u2019s just such a sickening feeling to know that kind of like everything I had worked for and got to this point, it seems like it has gone down the drain.\u201d<\/p>\n<div id=\"attachment_113\" style=\"max-width:100%;  width: 900px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-113 size-large\" src=\"http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/natalie_berquist-e1421858257541-1024x568.jpg\" alt=\"Natalie Berquist\" width=\"900\" height=\"499\" srcset=\"https:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/natalie_berquist-e1421858257541-1024x568.jpg 1024w, https:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/natalie_berquist-e1421858257541-300x166.jpg 300w, https:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/natalie_berquist-e1421858257541-1360x754.jpg 1360w, https:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/natalie_berquist-e1421858257541-800x444.jpg 800w, https:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/natalie_berquist-e1421858257541-450x250.jpg 450w, https:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/natalie_berquist-e1421858257541.jpg 1920w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><p class=\"wp-caption-text\"style=\"max-width:100%;  width: 900px\" >Berquist says she can&#8217;t afford her apartment after buying health insurance for her son through her employer. Photo\/Dane Walters<\/p><\/div>\n<h4>Stuffing clothes into garbage bags<\/h4>\n<p>Natalie is happy she\u2019ll be able to save money by bunking with her brother. But she\u2019s worried that moving for the second time in less than a year will be hard on her little guy.<\/p>\n<div class=\"audiobtn\">\n<!--[if lt IE 9]><script>document.createElement('audio');<\/script><![endif]-->\n<audio class=\"wp-audio-shortcode\" id=\"audio-62-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/nataliegrat_soundbite2.mp3?_=1\" \/><a href=\"http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/nataliegrat_soundbite2.mp3\">http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/nataliegrat_soundbite2.mp3<\/a><\/audio>\n<\/div>\n<div class=\"audiotext\">&#8220;I\u2019m grateful I don\u2019t have to go back to the shelter, I guess. That\u2019s been very tough for Samuel. He doesn\u2019t understand that,&#8221; she said. &#8220;&#8216;Why are we losing our house?&#8217; I mean he was 3 years old and knew that last time, and I mean here he is, four-and-a-half.&#8221;<\/div>\n<div class=\"clear\"><\/div>\n<p>&nbsp;<\/p>\n<p>It\u2019s that same dynamo, a kid who cracks himself up playing tricks on his kitten, who motivates Natalie to keep going. Even when things look bleak, even when she\u2019s stuffing clothes and toys into garbage bags so she can move her little family yet again, Natalie says she has to persevere.<\/p>\n<p>\u201cYou have to hope, you have to dream, you have to know and believe that there is going to be something better and reach for it,\u201d Natalie says.<\/p>\n<p>\u201cBecause if you don\u2019t have any dreams and hopes and you don\u2019t reach for something else, you\u2019re going to stay in the same spot. And you don\u2019t want to do that.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Several weeks after we visited Natalie, her life took another&#8230;<\/p>\n","protected":false},"author":7,"featured_media":114,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"audio","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-62","post","type-post","status-publish","format-audio","has-post-thumbnail","hentry","category-one-crisis-living-on-the-financial-edge","post_format-post-format-audio","byline-courtney-collins"],"_links":{"self":[{"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/posts\/62","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/comments?post=62"}],"version-history":[{"count":53,"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/posts\/62\/revisions"}],"predecessor-version":[{"id":421,"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/posts\/62\/revisions\/421"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/media\/114"}],"wp:attachment":[{"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/media?parent=62"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/categories?post=62"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/tags?post=62"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}