Dealing with Health Insurance for 2015
It’s that time of year again when the healthcare marketplaces open and you can switch health insurance plans or get a plan for the first time. I am currently insured and am very happy with my health insurance plan but I have been stressing about this topic for the past couple of weeks. All of my life I spent it as an active, healthy kid. But now that I have gone through heart failure and more recently through a heart transplant insurance is very crucial for me in order to keep living.
When I became ill our country was still going through a health reform. Very little did I know that these policies would be what saved my life. I remember being in the hospital hanging on to a thread of life. My wonderful parents, along with some amazing social workers, worked together and found a great health insurance plan that would later on save my life by allowing me to afford an artificial heart (LVAD), an ICD, prescriptions, and last month a heart transplant.
Unfortunately I was not eligible for tax credits so I couldn’t purchase my plan through Obamacare so my plan was a private plan costing me almost $150 per month with a $1,000 copay and a $2500 deductible. Yes, that is an amazing deal and the only reason why I got it was because I was 20 years old when I got that plan, I am 21 now, and because I was a nonsmoker.
Yesterday I had to go through the headaches of health insurance for the first time on my own. I was planning on moving back home with my family because I cannot afford to live in the big city for very long. In order to do this I need to make sure that my new plan covers in the state that I am moving to. In order to keep my coverage my monthly premiums are now going to be $260 instead of $150. The health insurance companies have their hands tight on my throat because they know that I have no choice but to cough up the amount or fall dead for not being able to afford my medications. Fortunately the new plan has a 0 copay and a $1,500 out of pocket. So if I were to get ill again, it wouldn’t break the bank like it did this year.
This year has been the most life changing year of my life. I’ve got newfound responsibilities from every direction. I now have someone else’s heart to look after, I have to pay expensive health insurance plans for the entirety of my life, I have to take medicines daily until my last breath, and I am unsure how long that will be.
But I look at the bright side and think: it will all be okay. I now have newfound strength to study harder than ever and become the best person I could become. I can’t wait to get back to school and work. This year has been hard on me but it built a great deal of brain and spiritual muscle that most people my age will never get to experience.