No Health Insurance? Get Covered Now

Ensure Insurance

By Estelle Erasmus

This is a sponsored post on behalf of the Ad Council and Get Covered America. However, all opinions are my own.

When I was just starting out as a freelancer I went one whole year without insurance (and without telling my parents). The reason: I was trying to save money. I was lucky and didn’t get into any accidents or have any health issues, but now with the wisdom of midlife I realize that I could have gotten myself into a lot of hot water. If you would like some cheap public liability insurance then you may be interested in public liability insurance from Tradesman Saver, however, you may just be interested in health insurance.

It took me a while to find insurance through an organization I belonged to (thank you American Society of Journalists & Authors), but once I did I kept up the coverage until I had a full-time job.

The Ad Council and Get Covered America is helping to raise awareness about the new coverage options available through the Health Insurance Marketplace as well as the financial help available.

Here’s what I wish I’d known and what you can find out more about by at Get Covered America by clicking this:

  1. More than half of the uninsured could find insurance for less than $100 a month (under $50 for people under 35). Wow!
  2. The uninsured are exposed to significant financial risk from medical issues, accidents or emergencies. Even young and healthy individuals (like myself at the time) are at risk. One trip to the emergency room for a broken arm or bad ear infection could cost thousands of dollars.
  3. Open enrollment for marketplace coverage begins in the fall, but Medicaid and Children’s Health Insurance (CHIP) is open year-round and special enrollment is ongoing. Special enrollment means a qualifying life event like having a baby, adopting a child, moving outside your coverage area, losing your current health insurance, gaining citizenship, leaving incarceration ). In most cases, a person has a 60-day window to get coverage.

Great Resources

Is Money an Issue?

  • You might be thinking that you can’t afford health insurance (I made that mistake). Don’t worry, financial help is available. In fact over half of Americans under 35 can get covered for under $50 a month. Use the “Get Covered Calculator” to see how much help you could qualify for to cover your monthly insurance cost.

If you are struggling with your application, you can use the Get Covered America 101 page to find answers to the most commonly asked questions, or the locator tool to find an expert who can help. By entering your ZIP code, you will get the names and phone numbers of experts who can help you complete your application and understand your health insurance options.

This is a sponsored post on behalf of the Ad Council and Get Covered America. However, all opinions are my own.

Did you ever go without insurance? What’s your insurance story?

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21 thoughts on “No Health Insurance? Get Covered Now”

  1. With the increasing expense on medical bills it is not worth to ignore health insurance. Ignoring health insurance can have adverse affects on your financial conditions as the medical bills can be quite heavy.

  2. Of course in my disability community this is a big topic of discussion. On top of “regular” health insurance we also talk about paying the (very) high price of long term care insurance coverage as well.

    No one should be without health coverage, and there are many avenues to go to get help. I am glad you are spreading the word, along with the Ad Council. Important for people our age – and every age.

    1. Thanks Cathy. I can imagine it is a crucial aspect of dealing with disability–having the right and affordable insurance policy.
      Estelle

  3. Such an important post. My husband always thinks we spend too much on insurance because, thankfully, we haven’t had to use much of it and I have to keep reminding him that that’s way better than doing the opposite!

  4. Thanks for sharing this great info. My father always spoke about the importance of having a job with health insurance and I remember the pure relief I felt when I got my first “grown up” job and had comprehensive coverage. Thanks again for sharing this info!

    1. Kathy,
      I know so many people are always looking for a better plan that’s financially feasible. I hope this post gets to those people.
      Estelle

  5. I wish the affordable policies were there for everyone but they are not.
    My daughter has a pre-existing and even through the exchange her insurance is unaffordable. She has to have it so her family suffers. At least they can’t drop her.

  6. Having no insurance is terrifying! So glad that there are options we did not have when we were younger. Great information on the perfect platform!

  7. Excellent information. I’m unsure about all the information and misinformation about health insurance. It’s difficult to know what to trust. I was cancelled by my insurance provider but it continued to take monthly withdrawals from my bank account. I finally had to close the account. Thanks for the details.

  8. We carried our daughter until she was 26. There’s no way she could have afforded it on her own. But luckily she turned 26 just as the laws changed. We’re self-employed and our insurance was through the roof. We’re saving a tremendous amount of money and are able to keep our same health care plan (with a few modifications).

  9. This is some good info, Estelle. I hope the folks who need to read this, do read this — and then act upon it.

    Several years ago, we had a short window between COBRA coverage and the period before we would be covered by my husband’s new job. We decided, foolishly, to take our chances — the COBRA payments had been killing us, as in we had to decide on more than one occasion whether to pay our COBRA or our utility bill. Luckily they never turned the lights off, but deals had to be struck. I knew there were no deals to be struck with the health insurance provider.

    And so, when my husband finally found a job, we took our chances on the 30-day or the 60-day window (I can’t remember what it was) before the health insurance would go into effect and we dropped our COBRA. Of course and inevitably, my husband had to go to the emergency room. It took me well over a year to pay the THOUSANDS of dollars THAT little trip cost us.

    I was no longer celebrating saving $400 on COBRA coverage, that’s for sure. We were lucky, though, it could have been far worse — far worse. He could have needed surgery. That would have been disastrous.

    I do not recommend doing what we did (or what you did — a year???). You were lucky; we were not. Still, if there are affordable options out there — which there are now and which there were NOT at the time that we made our foolish mistake — take them.

    That is all the preaching I will do today, LOL!

  10. So many people – especially when they’re younger – think “it’s not going to happen to me.” Until it does. It’s so important to be proactive.

  11. We tend to think we are immune to medical crises when we’re young — they always happen to someone else, right? So important to have the coverage so that it’s there if and when we need it.

    1. Hi, absolutely. I can’t believe how foolish I was once upon a time. Hope nobody else makes that mistake when there is help at hand.
      Estelle

  12. Guilty me. I truly understand the benefits of insurance but I always find excuses not to get one yet. Nice read. Thanks for this ideas.

    1. Then you will definitely want to check out the plans offered via the info in Get Covered America. Thanks for stopping by.
      Estelle

  13. My daughter will age out of my insurance in 2 years. She’ll probably be living a freelance life, so I’m relieved there will be affordable options for her.

    1. Connie, That’s another good reason why people need to know about insurance-aging out of their parent’s insurance. I hope your daughter finds the insurance plan that is right for her.
      Estelle

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