Nobody Is Invincible, Least of all Me: My #GetCovered Story

Posted February 20, 2014
By Allan Zullinger

The irony wasn’t lost on me. Here I was, a law student working with the Health, Law and Policy clinic at Florida International University, helping indigent families who have had their lives derailed due to the lack of health insurance, and I didn’t have insurance myself.

I used to have insurance through school that cost what seemed to be a reasonable $100 a month. However, the first time I went to the pharmacy, I discovered my medication would cost $500 and that my deductible was $2,500.

That didn’t make sense to me, so I let my coverage expire a year ago. After all, I thought I was a young invincible. I’m 28 and healthy. I work out. I watch what I eat. What’s the worst that could happen?

Pride, as they say, comes before a fall—or in my case, a car. Biking home from school one day, I was hit. Fortunately, I only suffered a bruised rib and some scrapes, but I know how lucky I was. I could have been hurt badly and, with no insurance, liable for thousands of dollars of medical bills.

My accident was a wakeup call. I logged on to HealthCare.gov, checked out my options for coverage and chose a Silver plan. I qualified for a lower premium and now pay about $40 a month for health and dental coverage.

Now I work to get other young adults to enroll in health insurance, because you never know what could happen.

You have until March 31 to sign up. Visit HealthCare.gov today to find a plan that fits your needs and budget. It’ll give you peace of mind and it’s a good investment in yourself.

Remember, nobody is invincible. We live in this world where accidents happen. No matter how strong you are, you’re no match for a car.