Manuel’s #GetCovered Story: Staying Healthy for his Son
I’m a self-employed truck driver and single dad, trying to do my best in raising my 14-year-old son. I often leave on a job before sunrise so I can be home by the time my son is returning from school in the afternoon.
Staying healthy is part of the job description of being a dad. If something happens to me, I need to get healthy fast so I can take care of him. But health insurance on the private market was expensive. I was quoted monthly premiums of $600 to $700 a couple of years ago. That’s why when I went to my long-time barbershop and saw folks helping people sign up for health coverage through the Health Insurance Marketplace, I decided to check out my options for 2015 coverage.
I went back again to the barbershop to renew my coverage for 2016 and signed up for a plan for both my son and me that costs $274 a month after the tax credit. The cost is more because it covers my son as well and now I’m making more money. However, it’s still very affordable, quality coverage for us.
My story is one that many African-American families and other families across the country can share. I’m sharing it because there is still time to get coverage this year-- the Marketplace is still open for business. But don’t delay: You need to sign up by January 15th for coverage that begins February 1st and by the final deadline of January 31st for coverage that starts March 1st.
Financial assistance may be available to make your insurance even more affordable. This is important, because people who can afford insurance and choose to go without it risk having to pay a fee of $695 or more—and you would be out the money and still not have any insurance. For instance, a single person with no dependents and $40,000 income would pay an estimated $746, while a family of four with an income of $70,000 would probably have to pay a fee of about $2,085 for 2016.
Just visit HealthCare.gov or CuidadoDeSalud.gov to sign up today. You can also call 1-800-318-2596 for free, confidential help 24 hours a day, seven days a week, in English or Spanish. You can even find in-person help right in your own community by visiting LocalHelp.HealthCare.gov. Help might even be available at your local barbershop, church or neighborhood restaurant.
All Americans should have health insurance. I got it just in case, so it’s there if and when I need it.
Staying healthy is part of the job description of being a dad for Manuel Jones → http://1.usa.gov/1n2Pqs4 via @HHSgov
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