The title of this blog post could easily serve as an introduction to a subject that I felt I had studied and explored in 2010, 2011 and 2012; and then left behind in my rearview mirror by 2013. That is because in 2013 I thankfully (yes thankfully!) turned age 65; and I didn’t have to worry about being rejected for health insurance like I was during the time I was ages 62 to 64.
Imagine going from being age 64 where no private health plan would accept you – branding you as being an uninsurable person. However, when you turn one year older, turning age 65, and with with your same health issues,you then qualify for Medicare where you won’t be rejected?! This is our 20th and 21st Century America! Yes, I totally rejoiced reaching 65 when I no longer worried about being turned down for health insurance. No longer did I have to be fearful that I wouldn’t have to pay more for premiums even if I was accepted; which of course I wasn’t. This was true because I had pre-existing health conditions – none of which were life threatening. I have the rejection letters to prove it!
I learned quickly that when you are rejected by one health insurer, you most likely will be reject by all of them that you apply to that do business in your state.
So, here we are almost another 10 years later and the Affordable Care Act has produced the Marketplace Exchange Plans which varies from state to state. We have to keep in mind that in Ohio, it is a Federally operated plan (not state run), and so a person who wishes to explore more information and perhaps enroll in one of the plans being offered must access that website. That is not to say that there aren’t any resources for information if you have unanswered questions, or wish additional explanations about them.
Here are few links to consider for help.:
Please consider all there is to lose, for all of us, when you are making your final decision to vote in this upcoming general election. This is true even if you have an employer plan and at present feel secure you’ll be able to keep it. Circumstances out of our control can change the whole picture if we lose our job. There is no “Repeal and Replace” plan coming; only a “Repeal Plan” that would mean you lose the benefits you have provided in the ACA. Please be informed and keep abreast of updates.
Your vote can determine the future of health insurance in America. Throwing what we have away for nothing isn’t a wise choice in my opinion. Thank you.