Self-Employed Worker Gets Affordable Coverage Despite Health History
As you likely know, the SEA has been involved in helping people get health coverage through the Affordable Care Act. In recent editions of the SEA News, we’ve been bringing you stories of people who’ve gotten coverage they either couldn’t get or afford previously. Today, we’ll introduce you to someone in the latter category. (Note: today’s subject was willing to share his story, but as a small-business owner was uncomfortable revealing his name.)
For years, hard-working Granite Staters have found themselves priced out of the insurance system. The Affordable Care Act gives those people the opportunity to get the affordable coverage they need. Today’s subject and his wife, a former state employee, got covered thanks to the Affordable Care Act and some help from the SEA.
“I’ve been self-employed for 28 years and I’ve had insurance up until five or six years ago,” he said. That was when his insurer stopped covering people in the state of New Hampshire.
“They wrote us a letter telling us we’d been terminated,” he said.
From there, things only got worse.
“When we were trying to find insurance, I had a stroke and it really screwed me up bad,” he said, though he felt fortunate he could continue working. Still, it made things challenging.
“We tried to get insurance right after I had my stroke and, of course, you have to tell them your medical history,” he said. “They did offer me insurance, but the quote was something like $1,200 a month for just me, with a $10,000 deductible.”
“We weren’t able to afford it,” he said “That’s what it boils down to.”
Being self-employed often means working long hours, and his situation was no exception until the economy tanked.
“Back in the day when I first started, I worked 20 hours a day, seven days a week,” he said. “As the economy progressively got worse, business slowed down and it’s just now it’s starting to pick back up.”
As work picks back up, his insurance situation is picking up too. He said they were able to get a plan for around $350 a month – much better than the $1,200 he was quoted not too many years ago. For this, he said, he and his wife are thankful.
“Things were fairly rough on us, and we’re so glad to have insurance now,” he said.