Health Insurance Blues

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About 5 days before my birthday, I received a letter from my health insurance company.  They raised my rates because, gosh, they really need to maintain my level of good quality coverage.  No matter that I have not used my health insurance in several years because I can’t afford to use  it.

My premiums went from $398 to $468 every two months.  Two weeks ago, I got another letter from my insurance company.  Evidentally, they figured out that I have aged since my last rate increase (right before my birthday).  Guess what?  I’m in another age bracket and my rates were increased again.  That’s twice in less than 6 weeks.  Now my rates are $568 every two months.

I began searching for a plan I might be able to afford.  My problem is probably the same as so many others.  I could switch companies and plans had I not had the audacity to be sick in the past.  Chronic illness made me uninsurable.

Since I can’t find health insurance outside of my current insurer because I’m considered uninsurable, I have to switch to plan with an even higher deductible and less converage.

What is wrong with this picture?  Isn’t the idea of insurance to pay into it so that when you need it you can use it?  Instead we have a system where you pay for insurance.  Then if you use it, you suddenly find yourself with skyrocketing premiums and unable to pay for the appointments and tests that your insurance won’t cover.  You can’t afford to live without insurance and you can’t afford to use it if you’ve got it.

I hope that this changes sometime in the near future.  The health insurance system in America is broken.  It needs a complete overhaul.  It should benefit those who pay for coverage, not spend it’s time preventing people from benefitting.

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