When I left my full time job to focus on The Fruition Coalition full time, I was shocked to be denied health insurance by several providers. I was denied due to three pre-existing conditions: a mental health diagnosis, a high BMI, and a vascular malformation in my brain.
I think this situation is an unintended consequence of the recent federal health care reform law. A few years ago, I shopped my health insurance plan (as an individual) and was not denied coverage at that time. I believe this is a reaction to the new regulations facing health insurance companies.
I was eligible to purchase a Guaranteed Issue plan, but that would have cost me over $700 per month. My other option was to remain uninsured for six months and then apply for PA Fair Care, which costs just under $300 per month. I chose the latter out of financial necessity.
I am now uninsured and will be through the end of this calendar year. Every time I get a cut, bump into something, get behind the wheel of my car, or walk across the street I hold my breath and hope that I am not injured to the extent that medical attention is required.
Unlike those who criticize this new law, I think it is a step in the right direction. I don’t think additional regulations are the answer to our insurance and healthcare crisis; we need total and complete reform. A single payer system would improve the quality of our healthcare system and equalize access to it, saving costs – and lives – over time. Healthcare policy should also be aligned with other federal policy. We should subsidize sustainable agriculture instead of factory farming, and renewable energy instead of fracking and oil. In fact, if companies are not prevented from destroying our planet – and the health of people thereof — through policy, they should be taxed for doing so as both a reparation and as a disincentive.
In the meantime, I pray for our good health.