Adulting: Health Insurance Style
Written by Outreach & Enrollment Specialist/AmeriCorps Member Anne Mulligan
Taking responsibility for your own health insurance when you turn 26 can be quite the daunting task. Luckily, lots of us at WithinReach feel your pain, and we’re here to help! AmeriCorps member Anne breaks it down in the universal language: a list of GIFs.
When the Affordable Care Act (ACA) passed in 2010, I breathed a huge sigh of relief. Not only did it provide access to health care for millions of Americans, but it allowed me to stay under my parents insurance until I turn 26. This meant I had a few more blissful years of having coverage and not needing to understand insurance jargon and the confusing system!
When I had my 25th birthday (and quarter life crisis) I realized that I had a fleeting year of insurance ignorance left, but was fortunate to start working at WithinReach, which provided me with a crash course in health insurance! Even with the best experts training me, I still get confused with all the terms thrown around and can imagine it is even more confusing for my peers who are not discussing health insurance like it’s their J-O-B.
While some may be lucky enough to have a grown up job and get insurance through their employer, there are many of us who are not offered benefits and must enter the world of grown up decisions regarding our health. But where does someone even start?!?!?
If you’re like me, sitting and reading dry materials gives you flashbacks to college days of sleep deprivation, so this helpful video and its fun graphics make things a little more manageable. Deductibles, co-insurance, and co-payment, oh my!
Also, did you know that another thing the ACA enacted was penalties for those who are uninsured?
So make sure you take care of your insurance needs or else pay a penalty at tax time.
So now you generally know what’s what in the insurance world… but what is the next step?
If you’re in Washington State, you can call our SUPER friendly Family Health Hotline at (800) 322-2588 and get immediate help over the phone signing up for insurance, or you can visit the Washington Health Plan Finder. But it’s way more fun to call us and picture this in your head as we help you:
And don’t forget that open enrollment for 2016 is over on January 31st–you don’t want to miss this deadline!