MISSOULA, Mont. — Bethany Zulick went back to school in January to become a high school English teacher. Years ago, she taught English as a second language overseas and loved it. “It’s so exciting to me to watch someone learn a new word or have that spark of understanding,” she said. Zulick knew she could earn enough money as a substitute teacher to make going back to school financially viable — except for the cost of health insurance. She didn’t want to risk being unable to see her doctor for her allergies, or for preventative care. The health insurance offered through Montana State University was too expensive, Zulick said, almost as much as her tuition. But then she found a solution that allowed her to make the leap: Medicaid. She wouldn’t have to pay any monthly premiums. It worked well for a few months, as Zulick taught by day and took online classes at night. But in June, the state sent a letter that she said left her “completely confused.” She knew Montana was rolling out a system for work requirements over the summer, but she thought she wouldn’t have to prove she met the requirements until next year, when her Medicaid enrollment came up for renewal. Yet the letter from the...
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