Protecting My Health For My Son: My #GetCovered Story
Posted March 14, 2014
By Shelley Davis
People say that those of us in our 20s don’t think much about the need for health insurance, but as a 27-year-old single mom of a very lively 9-year-old boy, that couldn’t be farther from the truth. I wanted to protect my health so I could be there for my son.
But no matter how hard I worked, I couldn’t afford health coverage.
It’s been five years since I’ve had insurance. It’s ironic because I work in a doctor’s office, handling medical coding and insurance billing. I see firsthand the difficulty that some of our patients have arranging and paying for health care when they don’t have insurance.
I saw myself in these people -- there were definitely times where I was sick and I chose not to go to the doctor because I couldn’t afford it. I felt like I spent every day walking on eggshells, scared of what was around each corner.
I tried to find health insurance before the Affordable Care Act, but every policy I saw had extremely high premiums and deductibles in the thousands of dollars. I knew I would never be able to afford those kinds of prices.
Now, thanks to the new health law and the Health Insurance Marketplace, I found a quality health plan with a reduced premium of only $147 a month and a deductible of $100.
HealthCare.gov was easy to use and I was able to enroll in about 15 minutes. Once I saw the choices, it was a no-brainer.
I think a lot of people will be surprised by their options on HealthCare.gov and just how affordable they can be.
If you are living with the kind of anxiety I had without coverage, you have nothing to lose. But don’t delay! Sign up now, before open enrollment ends March 31st or your next chance won’t be until November. I’m so glad I did – so I can be healthy for me and my son.