I watched Sicko the other weekend. Well, I watched part of it. Okay, 15 minutes. Then I had to turn it off.
Anxiety rose up in me because I knew what the people Michael Moore interviewed experienced could easily happen to me. I'm self-employed. I'm on individual health insurance. And I discovered by reading the fine print of my renewal notice at the end of last year two things:
My insurer will increase my premium twice this year.
Once for the annual increase and again when I turn 35 and jump to the next age bracket. I'm anxiously waiting for that letter informing me of how much I'll be paying.
My insurer will review my "membership" in their health plan monthly this year, instead of annually.
Meaning? I assume it means if I get some dread disease in June, I'll be out of health insurance in July. I'm grateful I'm healthy, but I shouldn't have to be lucky. I should have some kind of decent health insurance that does what it promises it will do--cover me for any expenses that develop from a new health condition. I don't trust them. Nor should I.
Still, I know I am lucky to have health insurance, which has covered my allergy spray and treated me for an abscess on my back last year that just finished healing. If I didn't have that, I don't know what shape I'd be in now, financially or physically.
Since this blog is about serenity, I will not subject you to the blood-pressure-raising statistics about healthcare and bankruptcy. But I will say that this is such a major component of economic stability in this country that it's getting a full week of posts on the subject.
I'll cover the options available and whether you should consider them, with the help of some experts.
But today, I want to ask you two things:
How does having health insurance contribute to your self-employed serenity, however you define that?
Where do you get your insurance and do you recommend it to others?
If I get some good tips, I'll incorporate them into future posts.
Photo by allaboutgeorge.