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Ali’s #GetCovered Story: Getting Insured May Have Saved My Life

Summary: 
I am so grateful I signed up for insurance through the Health Insurance Marketplace.

I am so grateful I signed up for insurance through the Health Insurance Marketplace. Young and always on the move, I might have lost my life, or at the very least faced crushing medical debt, if I hadn’t gotten coverage when I did.

I come from a close-knit family: My father and step-mom run a small restaurant, my sister attends university nearby, and I work as the Central Florida regional director for a nonprofit that works with underrepresented communities. We couldn’t afford health insurance even though we knew we were an illness or accident away from losing everything we worked for.

When the Marketplace opened last year, I signed all of us up for coverage. It was important for our peace of mind and financial security.

Thank goodness I did. If I hadn’t, it may have meant my life as well.

My coverage became effective January 1, 2014, and my appendix burst April 1, infecting many of my organs and blood. I had to stay in the hospital for more than two weeks and then get nursing care at home. If I hadn’t gotten that Marketplace plan, I would have had no way to pay the $120,000 bill.

Without insurance, I most likely would have delayed going to the doctor and probably would have ended up a lot worse or maybe even died.

I’m 23 and I think people my age definitely need to sign up for health insurance. Just take a look at me: I needed health insurance when I least expected it.

My plan is very affordable for me, and I think that people my age can definitely find a plan that works for them, too.

Open enrollment continues until February 15, 2014. If you enroll by December 15, 2014, your coverage can start as early as January 1, 2015. You can check out your options for affordable, quality insurance through the Marketplace at HealthCare.gov — and find out if you qualify for assistance to reduce the cost of your premium.

If you have any questions or prefer speaking to a person, you can call 1-800-318-2596 (TTY: 1-855-889-4325), where there is help, any time, any day.

Have you previously signed up for coverage through the Marketplace?  You should return to HealthCare.gov by December 15 to update your application and review your options for a plan that might better fit your needs and budget for 2015. You can review the 5 Steps to Staying Covered HERE.

I’m so relieved that I had health insurance to cover my appendicitis, because now I can go on living my normal life day to day without having to worry about big hospital bills. Don’t wait to get peace of mind and security.

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