Leave us a comment on facebook. In a little over a week, obama kay will get real starting october 1st, uninsured americans can buy health coverage. A new poll shows just how few people understand that law. One third of those surveyed say they still have little or no understanding of how the law will work. Only one in four say they have a good understanding of how the law will impact them and their families. Awareness of the details is also lacking. Half of those surveyed know there will be a Healthcare Exchange in their state. Intlooilt less are aware federal subsidies will be available to help them by insurance. Remember healthy folks whose participation is essential for making healthcare reform work. 50, 60 of the people under 30 realize they have to be insured or face a fine. Obamacare is supposed to give more people access to healthcare by urging everyone to get insured. What if you are one of the vast majority of americans who are already covered through your job . President obama says if you like your plan, you can keep it. But david arioso, our resident healthcare expert found out your old plan may have some new parts, including the price you pay and what you get for it. This is where rob gotting spends most of his time, the 53yearold truck driver delivers milk hitting the road six or seven times a week. Truckers dont stop, rain, sleet or snow, weve got to go. Its not the healthiest job. You sit in a drivers seat for 10 hours straight. You are not moving. Your body is just growing, i guess. Rob, like 85 of the country, relies on his employer for Health Insurance. Thats part of your compensation, the health plan. So a lot of drivers take the job just for the healthcare, like i did. Robs premiums just went up. So you got this paperwork thats dated june 17th and june 14th and basically what this paperwork says is that your premiums are going up 120 plus you are losing dental. What did you think at that point . Just nuts. Its crazy. I thought everything was supposed to go down. Right . Wasnt the promise, your premiums will go down . Nothing is going down. Up until recently, most of the debate surrounding obamacare has focused on the legislations cost and ability to provide Affordable Health insurance to the uninsured but impact on employers, large and small and how they respond to new costs and adjust their health plans. , may come to define success or failure. Its a lot of maneuvering. All of these players are trying to figure out what this law means for them and how this law is going to affect them. Companies like delta and ups say they are about to feel the squeeze as a series of new rules and fees kick in and pressure is also mounting against whats considered overly generous benefit plans. The big alaska tax which is a fee on an unusually expensive healthcare plan. In 213 they would be taxed on healthcare plans thinking yen russ health plans add to medical costs though costs have slowed worker contributions have nearly tripled over the past decade out pacing wages and Consumer Prices as employers continued to reduce benefits. Some are even considering phasing out their richest plan that they offer today. Like ups, a third of the u. S. Firms next year are expected to impose a surcharge on the Health Care Plans of spouses eligible from their own jobs. Thats up 20 . The cost has been going up, up, up, up. As the cost goes up, the employers, even large employers, are shifting more and more of the cost to the employee. The new health law is supposed to rein in longterm costs with a series of new provisions but it will have a direct impact on how much you pay in premiums next year. Those expenses have been very evident to employers as they plan for their benefits packages each year in order to comply with the law. Things like caps on outofpocket costs, no more Lifetime Coverage limits and new taxes that help fund online exchanges for the uninsured. These are things employers and insurers largely never had to worry about before. The Consumer Protections, all of these plan design requirements do come at an expense. As insurers evaluate new markets, they calmly pass higher prices on to employees via their employers. On the actuary, i talked to my insurance guy. Hes going to say to me, you know, be safe. Dont be sorry. Raise the premium. Costs will drop for some people as new Consumer Protections roll out in january. All i know is my premiums are going up today. What happens in january is a fairy tale right now because right now, its up. And the biggest jump in premiums next year is expected to hit Small Businesses. With a smaller pool of policyholders, Small Businesses have typically had a harder time negotiating a better rate in the insurance market. Certainly for insured plans in 2014, employers are looking at double digit increases. Some companies will be eligible for tax credits to help offset those extra costs. Some are expected today face a bump if premium prices looking at about a two to 3 rise as a direct recall of the new law businesses with a young and Healthy Work Force may end up paying more but on average, the changes really shouldnt be so significant. For those like rob who earns about 4,800 a year, any price hike or reduction could mean more of a squeeze. Right now, i am i live paycheck to paycheck. As the cost of healthcare rises, companies are looking for way to see save money. That could be coverage and more cost for employees this week, the u. S. Census bureau released new figures for income and poverty levels in america. The National Median income for all households dropped slightly to 5,100,017 last year. The south is 3,000 lower the official poverty rate rose. Crosses america. The poverty line for a family of four is below 23,492 a year. 10. 9 Million People living in poverty. We continue our series on whats it really like to . Let us introduce you to 23yearold rondel johnson who earns the federal minimum chawa working at philadelphia internation international airport. I pray because i look at life as a mental game. I am a backage handler. I get paid 7. 25 an hour. I think i was james bond like being able to speak every language. It doesnt work that way. I went you can receive a month free of the whats the point of paying it, by the time the next time the bill roll around. I leave it off and pay it that one time. This walk every day like i do going to work and come home, its fine when you are going to work. Coming home, its a drag. It costs to much. Its expensive. I get sick, an inhaler its not keep. I am allergic to captains. Once i come in contact with a cat, i have no Health Insurance. I have to go to the hospital to get it my job does provide Health Insurance i would rather go to the hospital and have them bill me. Its expensive in the longrun but thats one of them things, you know, everybody has that ability to pay. Thats mine. I mind myself working 16 hours a day so i can live comfortabley, so i can cover my bills and dont have to sit feeling depressed like, paid all of these bills. I work for no reason. I am lucky and blessed enough to have a place where i dont have to do nothing negative. A lot of people feel like they have to sell drugs or Something Like that. But i have the luxury to where i can just be a freelance Security Guard and make mine. To me, its a stepping stone. You know, you dont wake up and have everything you want overnight. Its a learning process. Its a working process. You know, you have to research whatever it is you were doing. I like real estate. So, i have to Research Real estate and find out what type of licenses i have got to have or whats the procedure for me to run a successful entrepreneur real estate. I dont want to retire how i started. I started i started in poverty. I am going to retire in poverty, too . Then what has my life been about at that point . Johnson is employed by primeflight, an Airport Services firm and a subcontract to the philadelphia Enter National airport. A spokesperson declined to comment. By the way, rondels income places him above the official poverty line. Coming up, we will introduce you to an actor turned activist putting a very personal face on the 1 trillion student debt crisis. Hi, i am calling on behalf of the university. I dont want to be here. Hi. Lenders are calling me. I have to put you in debt. Aarons story and more as re real money continues. Keep it here. On techknow, our scientists bring you a sneakpeak of the future, and take you behind the scenes at our evolving world. Techknow ideas, invention, life. Every sunday night Al Jazeera America presents gripping films, from the worlds top documentary directors this is just the beginning of somthing much bigger. Tonight, the premier of do the math these companies are a rogue force. One environmentalist says fossil fuels equal disaster. Will his movement add up add up to change . We will fight it together. Al Jazeera America presents do the math premiers tonight, 9 eastern. President obama is pushing to make colleges and universities more accountable and more affordable. To rate schools on factors like tuition, graduation rates. This comes as more and more people are demanding to know if their degrees are worth the cost. They want to be shown the money. State departments of education around the country aresponding to those demands. Geraldine geraldinea reports what some people are calling money degrees. Yaro spitsbarden but these grateful moves werent earning her enough to paying the bills. You went from being a dance to go looking for bugs yes. This is my favorite part. She graduated with a twoyear Associates Degree in Water Quality from redrocks Community College in colorado. She earns more than 20s dollars an hour or the equivalent of 40,000 a year. New Research Shows she is part of a wave of people with twoyear degrees in Applied Science earning as much or more during their first year after graduation than those with bachelors degrees. The most surprising finding was how valuable those degrees were in the labor market. Mark snyder is a former u. S. Commissioner of Education Statistics and president of Education Data company, college measures. He compared the first year earnings of all graduates with twoyear degrees versus fouryear degrees in several states. This is what popped out in texas, graduates with a twoyear technical degree out earned fouryear bachelors degrees by 11,000 in their first year. In virginia, the difference was about 2,000. And in colorado, where yarrow lives, the spread exceeded 7,000. In fact t while Community College tuition in colorado is about 3,600 a year, state data showed the median first year paid for technical graduates from yarrows school is 53,000, a middle class wage, and as she knows, enough to raise a family. Hang, look at mommy. Come giving mommy a hug. Colorado is one of several states crossreferencing college and Employment Data so students can decide if their dream degree is worth a cost. They have to pay on their locations the first year out. They want to know they are going to be able to cover those loans. Tuition at colorado Community Colleges is about 3,600 a year. Students should still study what matters to them, what excites them but they should also know going in what will what are the challenges they will face if they graduate with a philosophy degree. Red rock said its technical degrees like ones from similar degrees around the current tree are so valuable because industry professionals help shape the schools curriculum. You wanted to go into does he want to go into water management, too that would be awesome. Lakewood, colorado. We have all heard the numbers on Student Loan Debt, roughly 1 trillion and growing, twothirds of College Seniors will graduate with an average 26,600 in Student Loan Debt up 41 since 1989 . Its a lot to digest. And easy to ignore if its not your problem. But consider the people behind those numbers. Thanks to one actor turned activist, the pspotlight is on, we went to ohio to meet the man and see the student debt drama he created. I just want to pay off my student loan. Please give me a course of action in best practices almighty god. Hosanna in the highest one man, one act, 1 trillion problem. 1 trillion. The number comes off of the screen. Thats a big number. A number actor and activistarian kalasado is trying to cut down to size with for profit, a play recounting his journey through both sides of the student debt crisis. Tuition is going up and up and up and the value of the degree is going down and down. My student debt came up all at one time. You are kind of looking at your expenses, your bills, and i am not able to pay it. His high student loan payments forced him to leave behind a budding acting career in new york and return home to ohio where he took a job that would inspire his oneman show. I took a job as an admissions advisor in in a forprofit institution. I enrolled students. I put them into debt in order to pay off my own Student Loan Debt. Through one hour and a cast of characters, califato explores a system fueled by dreams debt and desperation. A forprofit university we dont call people people. We dont call students students we call them leads. I am getting pressure. Lenders are calling me and i have to put you in debt. A dramatic confession, he is hopes will act as an entry point for a broader discussion on student loan. Enrolled. When the curtain drops at kent state university, students are questioning the status yeah. Duh . Why do we have so much debt. It made me think, you know, i wish that the government did more to help students with debt. I think that when people see a human face, a human experience, they are more likely to take action. Califato has been the face of student debt for more than 50 perform applications across six states. Now, he was hoping to take his Campaign National by encouraging others to go public with their stories. My name is aaron califato. I have 62,000 in Student Loan Debt. Working through student debt crisis, a nonprofit he cofounded. He has launched out with student debt an olbermann platform that invites anyone to upload their stories. I see 0,148,251. We owe 81,000 . I owe about 20,000. 144,000 in the hole. This tears you up. Cal. Ifato hopes to turn the project into a larger video that you to have reform, an issue more. I need to do my small part to help tell the sorry so when she grows up, she will have at least the opportunity to get a Higher Education but not have to go into so much debt where its destroying her life economically. Thank you. [applause. ] califato has been petitioning congress, offering bankruptcy protection for all Student Loans and he wants to make all federal and private Student Loans eligible for loan forgiveness programs. Califato and his wife are struggling to pay off their own College Education by the way, combined they owe 1,200 a month. Califato says one has gone into collection. Coming up, how to make a home loan to your son or daughter without risking your relationship. That story and more straight ahead on rereal money. Statemented 1 in 4 home buyers get help with loved ones when purchasing their first home but lending money to a Family Member can strain relationships if the borrower has trouble paying back that loan. There are companies out there that can arrange formal intra family loans to reduce the likelihood of an unhappy dra drama stacy tisdale. Get it in writing. Get it in writing. Thats most important piece of advice ingrid ruhter has. Thats ma she and husband jason did last year. Their first child situatevan was on the way. The couple needed a new place to live. We were living in a cabin out in the woods had a had it was beautiful but it was hardwood and dangerous stairs and things that a kid would be terrible in. His members of the black hills theater group, they did not make enough money to save for a down payment. They also did not have the Credit Rating they needed to get a mortgage from a bank. Thats when ingrids mother suggested they buy a rental property that her late husband had left her. They thought 100,000 with annualized 5 Interest Payment was a fair price for her daughter to pay. I wanted to do this in a way that would be helpful to them but wouldnt hurt me in terms of not losing income from the house and that kind of thing. Kathleen, ingrid and jason anted into whats called an intra family mineraling. Kick kaylor who focuses on the psyche logic affects of money. Saying a formal mortgage can keep. Which is no misunderstanding, no verbal agreements. Its all documentedn and signed. From a financial standpoint who would you not recommend it for i wouldnt recommend it where you have a poor relationship with the family or the borrower. I wouldnt recommend it if the borrow isnt responsible. I wouldnt recommend it if this is not going to be treated as as business lone. Kathleen says one of the most important factors in her decision to make the loan was the fact that they were a good credit risk. I had seen them work as a team very, very well. I have seen them choose to live on a rather limited income and manage it well. In addition to the borrower and lender, you need someone to mediate and structure the transaction, register the paperwork and collect the m