Deborah’s Story: Finding Affordable Coverage with a Pre-Existing Condition

By Salim Zymet, Digital Advisor, Department of Health and Human Services
Posted October 22, 2013

Deborah L, a New Hampshire native, is a recent enrollee in the Health Insurance Marketplace. Due to a pre-existing condition, the only option she had before the Affordable Care Act was her state’s high-risk insurance pool.

Deborah “couldn’t be happier” that she now has coverage that will begin January 1st, 2014:

“I couldn’t wait for the Health Insurance Marketplace to open. I knew my husband and I were going to save money – we were spending a fortune on health insurance each month. The site was very easy to use, and the customer service representatives were patient and helpful.

The plan I picked will save us hundreds of dollars each month. It has better coverage, lower deductibles, and lower copays.”

Thanks to the Affordable Care Act, Deborah wasn’t discriminated against for having a pre-existing condition and was able to lower her monthly medical bill by 40 percent.

Follow her lead and share your #GetCovered story with us today.

Consumers can apply for coverage in the Marketplace:  Online at HealthCare.gov; Over the phone by calling the 24/7 customer service center (1-800-318-2596, TTY 1-855-889-4325); Working with a trained person in your local community (Find Local Help); or by submitting a paper application by mail.  You can download the paper application form and instructions from HealthCare.gov.

While we acknowledge there are problems with the online process that absolutely must, and will be fixed, we are reminded every day that health care reform is more than a website.  People across the country like Deborah are getting health insurance and coming forward to tell their stories.