Another couple of government-run plans were supposed to get me through this year with cheaper rates, but a bureaucratic snafu snuffed my coverage.
At least my misery has company. People with pre-existing medical conditions “face every kind of possible hassle,” said Nancy Metcalf, a senior program editor with Consumer Reports. Many can't find coverage at all.
Now 2014 is fast approaching, and I suddenly have suitors. Six companies are offering me 34 plan options through my state's marketplace, which was created under the federal health law. Insurance coverage, at last, is guaranteed. And, for now, so is confusion.
It's A Long Story Involving A Scam, An $11,000 Annual Premium And Relief (Kinda)
My endless insurance drama began in 2001, when my COBRA coverage expired from my previous newspaper job. I needed to find new coverage on the individual market as a self-employed freelance writer who didn’t have access to a guaranteed group health plan. But insurer after insurer rejected me because I had a pre-existing condition: an irregular heartbeat I’d developed in my 20s.
The condition, known as atrial fibrillation, slightly raises my risk of stroke. It also requires occasional cardiologist checkups and costs about $260 in medication each year. That was enough to make me one of the millions of people on the individual market who can't get coverage because insurers don't want to risk paying extra for their health problems. (I like to imagine that insurance companies ran screaming into the night when they received my applications).
I needed to find the individual insurance market's Holy Grail -- an insurer who'd take all comers, pre-existing condition or no. I discovered it through a writers' group that sold an Aetna insurance policy, no health questions asked. But then Aetna spiked its rates, and the group found replacement insurance through a company called Employers Mutual. This did not go well.
The company turned out to be unlicensed and a scam, leaving me and 29,000 other policyholders in the lurch. Employers Mutual reportedly left tens of millions of dollars in medical claims unpaid.
Coverage through Cigna came next via a firm that provides coverage to members of associations representing artists, performers and writers. But in 2006, when I was 38, I faced a prohibitive increase in my monthly premium from $509 to $928. (The Cigna rates are even worse now. My annual premium for 2013 if I bought a Cigna point-of-service plan through the same company: $3,028 a month, or $36,336 for the year, plus a $24 service fee.)