We are now less than 30 days away from the start of open enrollment of the Health Insurance Marketplace and there are still people who don’t believe that insurance will soon be available to them, even if they have a pre-existing condition.
I was speaking with a woman this past week who has a history of cancer. She is not quite Medicare age but she is at an age where she is ready to retire from her job. She mentioned to me that she is continuing to work past her retirement eligibility date because she needs her health insurance. She believes that given her medical history, no insurer would cover her.
I told her that as of January 1, 2014, health insurers can’t consider a person’s medical history when people apply for coverage or when the premium rate is set. She said she wasn’t aware of that. I gave her information on the Health Insurance Marketplace and the dates for open enrollment. Finally, I encouraged her to get more information at www.healthcare.gov.
The woman was so excited to hear that she will soon have options for health insurance coverage. She can now continue working only if she wants to, not because she needs health insurance.