Dana, the Medicaid HC play only goes out of play with Bernies's plan, and even then our taxes would go up so much that it really just becomes irrelevant in terms of saving a family out of pocket HC expenses.
But it only works if ONE family member becomes disabled, or with a child permanently under-employed with something like cerebral palsy. But if an adult is in a horrible car wreck or something and then becomes pretty much a nursing home eligible case, he/she can go on Medicaid without making the entire family meet Medicaid poverty guidelines. It's a horrible situation, but imo its actually a better solution that everybody under cradle to grave anything you could possibly need Bernie care.