What I need from Obama

06 Nov 2008
Posted by mpm
I wasn't going to blog about the election. Mostly because I don't really have anything especially articulate to say about what happened on Tuesday that hasn't already been said, not only about Obama's win, but about the passage of Proposition 8 in California. I talked with my parents election night, and they said they could have never imagined a Black man as President in their lifetimes. Even I found it hard to imagine, even with Hollywood's suggestions. And, of course, the passage of Proposition 8 is a sad counterpoint to the amazingness of Obama's election. But what I'm writing about is that I need something from President Barack Obama. And I need it right now. I moved from a state that guarantees reasonably priced health insurance regardless of pre-existing conditions to a state that makes it impossible to get reasonably-priced insurance with pre-existing conditions. In California, as someone who is self-employed, It seems I can't join a group to get reasonable coverage without getting a job. I thought that HIPPA would save me, because I've had coverage. But it will cost me almost 2/3 of what I pay each month in rent to get HIPPA coverage, which, at the moment, feels pretty unaffordable. And the state plan (called the California Major Risk Program) will cost only a little less (and covers a lot less, and only provides up to $75,000 in coverage.)  And as someone who has liked being self-employed, it makes me think maybe I should get a job. Or I may end up going without insurance for a while (that is, until Obama fixes things,) which feels very scary. I have always been an advocate single payer health care, but between having a stable academic job, then living in Massachusetts, it never occurred to me that this particular situation would happen to me. It always felt a lot easier to call this system corrupt and evil, when I wasn't caught in it. Caught in it, it feels like there is something wrong with me. The rejection letters I get from insurers make me feel like it's my fault that they won't insure me. Of course, it's not my fault. It's the fault of insurance companies only interested in profit, and politicians without the courage to do something about it. I know fixing this is high on President-elect Obama's list of things to do. If only for selfish reasons, I hope he gets to it sooner rather than later.

I'm assuming you tried

I'm assuming you tried Kaiser.

Anyway, it is the fault of all of us for settling for the system we have instead of fighting for basic coverage for everyone.

My COBRA coverage when I left the Welfare Law Center was *more* than my rent by about $37.50. I couldn't afford it, but I also didn't feel like I could afford to risk not having health insurance. The whole system is badly broken.

Good luck stitching your own coverage together. New York has the Freelancers Union -- there isn't anything like that in the Bay Area?


As someone else with what

As someone else with what would be labeled a "pre-existing condition" this is largely the reason I haven't flown solo and have continued to have a f/t day job -- because I can't afford to have a gap in coverage between employers, because I know what my exposure is otherwise.

The broken-ness of our health care system has been a big chip on my shoulder for a long time. I'll be watching for a way to make an impact to help the new administration get something less broken in place ASAP.

Good luck!


Check with any alumni

Check with any alumni associations you belong to or AAA, AARP, etc. A lot of times, they have a group policy that can make it easier for individuals to afford health insurance. Also, there are several group plans on ehealthinsurance.com that are $3/mth (or year?) to join a coalition for getting cheaper health care.

Good Luck!


@elwing I'm still looking

@elwing I'm still looking into some ideas, but it appears that in CA, it is difficult (impossible?) to create groups that are not employers. NASBRO for instance does not have a CA plan. And in CA you cannot have a group of one, so the ehealthinsurance.com plans don't work for me.

@amanda Yes, you are right, it is partially our fault for settling for the broken system we have. It's easy to not think about it so much when it doesn't really affect you directly.


[...] course, I live a

[...] course, I live a privileged life, comparatively. I may be losing my health insurance, but what is true is that the $200 price differential between a plasma screen TV last week, and the [...]


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