Kids who are eligible for Medi-Cal, California’s health insurance program for low-income families and people with disabilities, can access private-duty nursing care, medical day care programs, paid family care through In-Home Supportive Services, and specialty care through California Children’s Services. For disabled, medically fragile children, the Home and Community-Based Alternatives (HCBA) Waiver allows middle-class children to access Medi-Cal programs, like home nursing care. It means that instead of providing access to care, the state puts your name on a list of people who need care. Disabled people who need care are drowning; we shouldn’t have to agonize over who gets a spot on the lifeboat—we can build a bigger boat. Warehousing disabled people in hospitals and nursing homes costs the state orders-of-magnitude more than just providing nursing care at home.