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Do You Have Health Insurance?

I just read that the state of Oregon is having a lottery for health insurance. More than 80,000 people of Oregon's 600,000 uninsured have signed up for the few thousand openings in their state run insurance program. I must say when I read this I was shocked and a little dismayed – has our health insurance, and thereby our health, just come down to luck? Oregonians awaiting word if they have a winning number say this hope of insurance is better than no insurance at all.

I remember my early years, after college, I had no insurance and was lucky then to not get hurt or sick, and I feel lucky now to have health insurance.

I am curious though . . .

Source

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Cher Cher 9 years
I live in Ottawa, Ontario, Canada. We have excellent national health care and I have insurance through work to cover dental, physical therapy and medications. One of the posters had asked how the wait times are in Canada and for ER I've never waited more than 4 hours to be seen. I can get an appointment with my GP the following day if its an emergency and it only takes about 2 months to book a physical. I think this is remarkable considering the high quality and care of the doctors!
GradGrl75 GradGrl75 9 years
I wish I could say I do but...I am finishing up my internship & will graduate with my Master's in May & I am finding a job ASAP!!!! I knock on wood everyday to ust give me a little more time...
SeptemberLights SeptemberLights 9 years
I am in school and almost every college that I know of allows you to purchase insurance through the school as a student. You can even pay for it using your financial aid money. Another option for people who are unemployed or uninsurable is to open an HSA account, similar to an IRA many banks and credit unions offer them. Your contributions are tax free and just write them off at the end of the year. There are plenty of options out there you just have to take time to research them. Try going to the Urgent Care instead of the ER, it only costs about 100$ and they will treat you a lot faster. The ER is way too expensive, I wouldn't go there unless I was literally dying...There are also plenty of Clinics for people who are low/income or uninsured. They cost less and will usually let you make payments. I only know about these because I was uninsured at one point and racked up 3000$ in medical bills. After that I knew I had to go out and do some research. I could have saved myself so much money if I had known what was out there...
GrapeBubbleGum GrapeBubbleGum 9 years
I need insurance, I have a chronic medical condition. Plus I live in MA where it's required. Luckilly I'm still in (grad) school, so it's available to me.
lickety-split lickety-split 9 years
we have insurance, we pay something like $1,400 a month for the 4 of us and my oldest daughter is not eligible for insurance. if you really need medical care you can't get insurance. nice for the kids.
meko01 meko01 9 years
Just going through the process of getting a new one. Had great coverage with my old job but am now self employed and the rates are crazy.
sarahginam sarahginam 9 years
No I dont, Its really hard after college when you are kicked off your parents to get health insurance, I landed my first job and whne I was eligible for insureance I got laid off. I think it should be national that you are covered under your parents insureance till you are 25. This way you have time to get a job and are still safe and insured.
Linny Linny 9 years
I am also paying for COBRA. How in the world do they expect you to pay for that when you've just lost your job???
tjzchouse tjzchouse 9 years
Yes, I have health insurance, but only because of my husband's coverage through his employer. Our family coverage is top-notch and includes dental/vision, and (most importantly) prescription coverage. I'm self-employed and would not be able to obtain this coverage on my own, otherwise. The retail cost of prescription medications alone would be impossible to maintain. I'm amazed by people who do not consider the cost of their benefit package when assessing their yearly compensation. Don't gripe about low salary if you have great benefits! I haven't had a paid sick day or vacation day since 1992, when our oldest child was a 1-year-old and I became self-employed in order to provide adequate care for my family (rather than paying $1,000/month to daycare)and still maintain a second income for the household. What do I get in return--self-employment tax!!
JennaV JennaV 9 years
I have really good health insurance through my job. To me, that is almost as important as salary.
Asche Asche 9 years
In Massachusetts we have universal healthcare. It's mandatory for all residents. If you don't have it (there are free plans available to those who can't afford it), you get heavy fines on your taxes.
aimeeb aimeeb 9 years
Before I got laid off I did...
cravinsugar cravinsugar 9 years
i have it and am proud to pay for it. I pay the highest amount out of my pay check possible, but I have outstanding covereage (as in free physical therapy when i needed it) etc. It's worth every penny and I am proud to pay for ti myself.
wackdoodle wackdoodle 9 years
Yes I have full coverage all inclusive health insurance. Vision, Mental, Dental and Whole Body. My insurance even covers Eating Disorder treatment and sex changes for those needing those services. Then again my insurance is because I work for the City of San Francisco but I still pay for my insurance - every pay check money is taken out to pay my share of my health insurance costs. My issue now is in looking to return to the private sector - I'm running into companies that do not offer any health insurance coverage at all. They've intentionally left their employee rolls below the minimal number required by the city to force them to supply health insurance to all employees. Instead they hire people for just under 40 hours or hire people on a temp basis or hire people as independent contractors. It irks me. These are multi-million dollar companies but they are so cheap and blindsided by the almighty buck that they cannot see that having and keeping employees healthy keeps their profits growing.
sophia_HL sophia_HL 9 years
I finally got it in Feb after not having it for YEARS!! And to all those people in Canada, I hear that you have to wait FOREVER to see a doctor... is that true?
emalove emalove 9 years
Yes. It's really good and pretty affordable too. The best plan I've had in the past 8 years.
juju4 juju4 9 years
Brown_eyed_grrl -- for many private insurance plans, there can be pre-existing condition clauses that allow PPO plans to decline coverage if you have not been covered for more than 62 days or if you have any type of pre-existing condition. (My sister-in-law was declined for having a deviated septum in her nose that she has had since she was 4 years old. The insurance company said that until she had nasal surgery, they would not cover her.) Anyway, HMO plans through employers cannot discriminate based on pre-existing conditions or prior coverage, but in some states they are crazy expensive. Here in CA an HMO is the cheaper insurance, but in NY it would be thousands of dollars a month per employee to cover our employees with an HMO.
kurniakasih kurniakasih 9 years
brown_eyed_grrl, I'd LOVE to learn more about this insurance of yours that only cost around $99/month, with an 80/20, and $1500 deductible. If you have more information, please let me know so I can sign my mom up for that, I'd be very grateful.
brown_eyed_grrl brown_eyed_grrl 9 years
I don't understand why it's so hard to get insured. I don't mean it as a put-down, I honestly don't understand. When I worked freelance for a year, I got an individual plan which was $99/month, with an 80/20 and $1500 deductible. Is that sort of thing hard for some to get, or is it still too expensive? I'm with some of the others here--when I went back to work at a regular job, good health coverage was one of my top priorities. My company pays 100 percent of the premium.
colormesticky colormesticky 9 years
I have it through work, and I will never again take a job that doesn't have benefits. I can't qualify for insurance on my own, only through a group plan. Eff you, spleenlessness.
bisou002 bisou002 9 years
i'd never take a job that didn't offer health insurance. never ever ever.
tlsgirl tlsgirl 9 years
I didn't have it for years, but now I have it through school. It only lasts through August though, so I'm hoping that I'll be able to find a job quickly after graduation.
carhornsinapril carhornsinapril 9 years
i do, but i'm paying an astronomical fee for COBRA, since i was laid off from work two months ago. i was caught without insurance when i was hospitalized overnight for a bleeding ovarian cyst two years ago, and let me tell you, that was NOT cheap. so i've learned my lesson when it comes to health insurance.
tigo8 tigo8 9 years
I do not have health insurance. I am in law school and I have been shopping around for a plan that I could afford, I finally found one through ehealthinsurance.com - but I was denied because I have Acne! Aetna, sent me a letter and told me that their underwriters would not insure me because of my "pre-existing condition." I work part-time and I am ineligible for state plans, and when I finally found a plan that I could afford I was denied for a completely bogus reason. People are always appalled when I tell them I have no health insurance. They think uninsured people are too cheap or too lazy to purchase health insurance. The reality is that I am trying to find a plan that works for me and a plan that will have me. Nevertheless, my search continues ...
lovekailua lovekailua 9 years
no, my work's premiums are too high for me right now because of my employment status as a consultant while I am in law school at night. I buy BCBS catastrophic insurance (Not high deductible - $500) at $35 a month but i HATE not having regular insurance!
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