Three kids, a health plan and $15,000 in medical debt: A working family tries to make ends meet

Three kids, a health plan and $15,000 in medical debt: A working family tries to make ends meet Clarisa Corber hopes someday to get medication for depression and acne. Her husband, Zack, an apprentice pipefitter and former high school football player, needs a doctor to look at his knees, which swell when he climbs too many stairs.

Both parents, who are 33, dream of moving the family out of the cramped, 1,000-square-foot house they rent in a crime-plagued Topeka neighborhood known as the Dirty South. Clarisa Corber gives a kiss to son Lee as she wakes him up for school. The family has about $15,000 in outstanding medical bills. For now, though, their dreams are on hold. Like millions of Americans with job-based health coverage, they are staggering under the weight of medical debt .

“It beats you down,” Clarisa said recently as she sat at the family dining table, tallying some $15,000 in outstanding medical bills the family has racked up in recent years even though they had insurance through Zack’s work. Clarisa Corber at work at a Topeka, Kan., insurance agency. She drives for Uber on Friday and Saturday nights to make extra cash, leaving when her children go to bed. The Corbers, who’ve had health plans with deductibles as high as $8,000, are among dozens of working Americans interviewed by The Times for a project examining the dramatic rise in health insurance deductibles over the last two decades.

Three years ago, the Corbers were hit with more $9,000 in medical bills when their second child was born prematurely. The baby had to spend nearly two weeks in the neonatal intensive care unit.

Last year brought another $2,000 after their youngest daughter had to go to the emergency room because she was struggling to breathe. The medical staff cleared mucus from her nose and gave her Ibuprofen, concluding the congestion was caused by a common infection.

Last month, when the Corbers took their daughter back to the emergency room as she gasped for air, they were told she had asthma and given a nebulizer. Clarisa Corber and her children in their garden. Last year, the family finances were sometimes so stretched that they relied on help from Clarisa’s church to get food. Their children — Lee, 6, Abigail, 3, and Kaley, 1 — are generally healthy. Zack is a member of the local pipefitters’ union and makes $23 an hour while he completes his training. The hourly wage rises to $36 when he is fully certified, although until then he must take off every sixth week at no pay to go to school.

Clarisa recently got a new job at an insurance agency, a step up from the auto detailing work she did last year at $8 an hour. She drives Uber on Friday and Saturday nights to make extra cash, leaving when the kids go to bed around 8:30 p.m. Some nights she drives until 4:30 a.m.

Their family income is now getting close to $75,000, a major jump from last year, though still under the national median for a family of five. The family also has better health coverage now through Zack’s union. That plan has no deductible, but does require them to cover some costs out of pocket. “It beats you down,” Clarisa Corber said recently of the family’s outstanding medical bills. They pay $600 a month in rent. Utilities are another $400. The cable TV and internet run to $170. Car insurance is $120. Cellphones are about $200.

They’re able to save on childcare with help from Clarisa’s mother. They pay her $300 a week, which helps Clarisa’s parents make ends meet.

A few months ago, she treated herself to new glasses: She was having trouble seeing addresses at night when she was driving for Uber. She hadn’t been to the eye doctor in two years. Clarisa Corber and daughter Kaley. The only luxuries the Corbers allowed themselves were a gaming system and Zack’s fishing gear, which is stored in one of the kid’s bedrooms. Zack reasons it helps feed the family. There is still catfish he caught last season in the freezer.

“I guess we could have gotten rid of the PlayStation,” he said. “But on some days, it was one of the only things that made it possible to keep going.”

“Everything was taken care of,” she said, recalling she was able to fill prescriptions for her acne and depression for less than 15 pounds a month, or about $20. Clarisa Corber coaxes daughter Abigail into the house before they begin their day.

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