If an apple a day really did keep the doctor away I would surely invest in home delivery of apples. There are over 600 varieties of apples and I would order as many as possible to make sure I can keep all types of doctors away. Perhaps red apples cover blood born illnesses or green apples cover digestive disease. I have Googled varieties of apples but haven’t found any conclusive proof this will work.
Health insurance has become a hot political topic. Over 48 million American’s are uninsured and many are under insured. I am not interested in debating Obamacare. This isn’t a political post, but health care in America is a real issue for many.
I have had decent health insurance coverage for the past 12 years. My employer did cover part of the premiums. I had copays and deductibles for most services. Mental health coverage was extremely limited and almost nonexistent. However, I did have coverage.
I no longer work full time. I am able to keep my insurance by using a federal program called COBRA. This means I can keep my insurance for 18 months by paying the full amount of premiums. Over $500.00 a month is a very difficult payment with no income. I am looking for part time work, however most part time jobs do not offer health insurance coverage.
I won’t qualify for Medicare until I am 65. That means I have 3 and 1/2 years of finding my own coverage. If I make the choice to do without insurance, I am putting my health at risk. With the current pre existing condition limits on policies, I may not be able to get coverage for any existing conditions if I let my insurance lapse.
I am sure someone is scratching their head and wondering why I put myself in this situation. Why am I not pushing my way into prospective employers’ offices and diligently seeking a job? Surely this opportunity to go to college isn’t worth losing health insurance. That is a long, complicated, and difficult question to answer.
My question is why I (along with millions of others) should have to answer this question at all. Affordable health care should be accessible to everyone, not just those who are fortunate enough to find a job with a company that offers this benefit and helps cover the cost.
This is an issue much too complicated and difficult to discuss in a blog post. I don’t have answers. I have some ideas but those too are complicated. I don’t know how I am going to find a solution to my current dilemma. I might go ahead and buy some apples, just in case.
What has your experience been with this topic? Do any of you go without insurance?