- Posted September 30, 2013 by
This iReport is part of an assignment:
Obamacare: Your story
Hard Working But Uninsured
I am an accident survivor, living with lifelong injuries caused by being struck by a vehicle while on a bicycle back in 1992. The driver was going 70 mph and was uninsured, as was I (there was no ACA provision allowing 18 year olds to stay on their parents health care back then).
My wife has fibro myalgia, complicated by a rare pulmonary condition that was misdiagnosed early, resulting in a failed heart procedure in 2011 she still has side effects from. Every day for each of us is one of pain management and fighting for physical self sufficiency.
Because of pre-existing conditions neither one of us has been able to qualify for private health insurance that would help to alleviate our symptoms or suffering. With the eradication of the pre-existing clause we can still not find coverage that is affordable. This means we often end up in the emergency room several times each year, which has of course negatively impacted our credit and economic independence.
All we wish to do is to be able to work hard and support ourselves. We want to get proper preventive care and dream of starting a family because though we married late in life, I am only 39 and she is 38. My job demands too many hours of me to be able to take a second job to pay for health care. Obviously the long hours I work also leads to complications with my old injuries and even keeps me from being able to do basic physical therapy. My wife requires new MRI's and medication and we can't get these things done because of cost for the former, and the fact that the ER refuses to prescribe her needed meds because they view us in the same light as the drug addicts that come to the ER to get the same types of pain killers and muscle relaxers that we legitimately need to simply live with our ailments.
The ACA will finally cover us both! The premium / subsidy calculator posted by Kaiser even shows that we will be able to cover both of us for less than my last health insurance quote by Anthem to cover just me without coverage for my asthma, or other vital areas. We will be among the first to sign up for the ACA exchange here in California.
Many of my friends are waiting to do the same....a good deal of who are Republicans in need as well. The bottom line is that most who are currently uninsured who are working as hard as possible to provide for heir families will try any program offering to provide health insurance no matter how faulty initially because being covered is better than going bankrupt like my wife and I for doing everything right, but being literally hurt by the current system in place. We live paycheck to paycheck because every month we are hit with another medical expense. This is not the American dream. I should not have my credit ruined because covering my health insurance is deemed "unprofitable" to the 1%. I should not have to helplessly watch my wife struggle with pain and inflammation because our only shot at getting a prescription is through a $700 trip to the ER where we will be denied anyway and spoken to like drug addicts and low-lifes instead of the hard working people we are.
I'm tired of it, and the ACA will help alleviate most of our woes. We are paying close attention to Congress, especially the House right now. It is time for the moderates to step up and help the middle class the way they used to.