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Old 02-07-2012, 03:31 PM
 
Location: NYC
89 posts, read 220,363 times
Reputation: 173

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In 2010, the part of Obamacare went into effect where you get health insurance if you have 1) a pre-existing condition and 2) you have not had health insurance for the last 6 months.

In NY it's called Bridge Plan.

You have to pay for the insurance but you can't be denied if you meet those two conditions. The insurance must go into effect within 15 days of applying and your pre-existing condition is covered on Day 1 of when insurance takes effect.

I don't have a pre-existing condition. And insurance is expensive in NY/NJ for a single person - minimum would be $300ish a month.

So I'm sitting here thinking, why bother getting insurance unless I get a major illness, which would then be covered under Bridge Plan?

As a hypothetical:

say I can see in the future and know I will get a major illness in August. Would there really be any point in me getting insurance now? I'm a healthy 30-something single person.
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Old 02-07-2012, 04:57 PM
 
Location: NJ
18,677 posts, read 17,360,556 times
Reputation: 7283
I'd get insurance. Anyone can have an accident, and even a broken arm or nose, with a trip to ER for X-Rays, w/o insurance, will cost a few thousand dollars.
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Old 02-07-2012, 05:01 PM
 
4,919 posts, read 20,190,333 times
Reputation: 6228
Quote:
Originally Posted by ker38 View Post
say I can see in the future
But thats the great big hole in your plan, you can't!
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Old 02-07-2012, 05:18 PM
 
156 posts, read 472,488 times
Reputation: 183
Even though they have to accept you with a pre-existing condition, that does not mean the rate will be the same as before. The rate will be adjusted to cover treatment of the pre-existing condition. Your safest bet is to buy insurance now.

To digress, I think it would be much more beneficial for the government to shorten the employment benefit length but add back in subsidizing Cobra for 15 months. Losing health insurance is almost as big a hit as losing a job for many people.
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Old 02-07-2012, 06:18 PM
 
Location: Northern California
1,352 posts, read 2,247,191 times
Reputation: 943
Get the insurance. You can be perfectly fit, but that drunk driver that hits you wont be.
As the Boy Scouts say: "Be prepared".
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Old 02-07-2012, 06:42 PM
 
Location: home state of Myrtle Beach!
6,284 posts, read 19,247,603 times
Reputation: 3513
Most states don't pay enough unemployment to be able to afford health insurance. If you can't afford it don't worry about it. If you need care check out free or reduced clinics. Many hospitals will write-off care for the poor; just don't overuse it.
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Old 02-07-2012, 08:26 PM
 
17,171 posts, read 21,152,615 times
Reputation: 34492
Quote:
Originally Posted by myrc60 View Post
Most states don't pay enough unemployment to be able to afford health insurance. If you can't afford it don't worry about it. If you need care check out free or reduced clinics. Many hospitals will write-off care for the poor; just don't overuse it.

Exactly, there are clinics you can go to. You have to crunch the numbers. If you need to go to the doctor it will most likely be much more cost effective to pay out of pocket. Instead of paying $300 plus a month for coverage.

Besides I think if illegals can come into this country go to the ER for even very minor things and not pay a bill, why shouldn't an American.
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Old 02-07-2012, 09:01 PM
 
Location: Wisconsin
21,900 posts, read 45,128,986 times
Reputation: 15661
That would be my advice. Start scouting around for ERs and Emergency Clinics. Instead of paying the insurance premium, save the money in a separate account. $3600/yr buys a lot of dr appts. and medication. Of course, if you have a catastrophe, that's different. However, if you are in an accident, the ER will treat you, may even keep you in hospital if necessary. Worry about payment later - or file bankruptcy. It's too bad in this country, we can't provide HC for everyone. But that is our reality. So, you gotta do what you gotta do to look out for #1.

For someone so young, and unemployed, $300/mo for health insurance is not an option - at least it wouldn't be for me.

However, in the end, it is you taking the risk. If going without health insurance doesn't "feel" right, follow your gut.
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