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    Posted September 28, 2013 by
    Oceanside, California
    This iReport is part of an assignment:
    Obamacare: Your story

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    One of Millions


    CNN PRODUCER NOTE     janice010150 is currently without health insurance. Her message to Congress is: 'Please don't delay implementation of the health exchanges so those of us without health insurance can afford to purchase it. We are not all deadbeats.'
    - katie, CNN iReport producer

    My story is not extraordinary or even very interesting. I am 63 years old and since Aug 2012, for the first time in my life, I have been without health insurance. Beginning when I turned 16 and was old enough to obtain a work permit, I have always worked. About half of the time I have been employed; the rest of the time I have been an independent contractor. I have always purchased health insurance when I was not covered by an employee health plan.

    When I moved back to California in May 2012, I had to obtain new health insurance because the plan I had in New Mexico was not transferable. I contacted Blue Cross Anthem through a trusted broker I had used previously. I was denied coverage because of two slightly elevated lab results, both of which my primary care doctor in Albuquerque thought insignificant enough to not even mention to me.

    My broker said he would be able to secure something else for me ("high risk" coverage) at approx $500/mo. I had been paying $281/mo in New Mexico. Although I was working I did not have any income because I was devoting all of my time to producing (on my own) a physician well-being educational conference that addressed ways to combat their burnout so they would not quit medicine. (http://www.oslersymposia.org/about-Osler-Symposia.html) I had just about drained my entire 401K and could not afford health insurance at almost twice what I had been paying.

    When I no longer had coverage, I experienced a type of fear I had never known before. When I mentioned my predicament to family and friends, they told me I was being reckless and had made poor choices. My self-worth and confidence suffered.

    Luckily I have been blessed with nearly perfect health and am on no medications. I walked my last marathon when I turned 60. (It boggled my mind that Blue Cross Anthem would not insure a person with my spotless health history.) I have not been ill, been to a doctor, or required any meds during this uninsured period.

    I have been counting the days until Oct 1 when I can sign up for insurance under the ACA that will take effect Jan 1, 2014, my 64th birthday.

    I am a professional, intelligent woman who cannot understand why Republicans are hell bent on denying those of us without health insurance an affordable way to procure it.

    Thank you for this opportunity to share my story. I've learned not to share it anymore with those who know and love me. It’s easier that way.
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