Being in our twenties is an awkward state.
I say that with endearment and affection, though. I am currently in this limbo of an-almost-adult and an actual adult. Being an adult is scary because you have a lot of responsibilities. Whether it is paying your bills on time, work-related things or personal matters. I wanted to touch up on an experience that I recently encountered that clarified my limbo state.
2015 is creeping around the corner, literally less than two weeks, and with new healthcare policies in full force, it can be mentally exhausting and very confusing for any twenty-somethings. For those who are insured under your parents until you’re twenty-six, well, lucky you. Unfortunately, there are some stranglers out there, like myself, who are not insured.
This is the moment where I felt like a complete adult: shopping for healthcare. Not new shoes. Healthcare.
Many thoughts and emotions of how do I go about shopping for healthcare, and what would be most suitable for a fairly healthy twenty-somethings like myself. There are questions such as would my income secure me a decent health coverage? Like you, I worry about my monthly expenses and making sure I have enough for rent, bills and food.
I know, the idea is daunting and is overwhelming, but luckily we have options everywhere we go. A lot of things to factor when it comes to shopping for healthcare and one being if it’s accessible in your state. Secondly, where to go about shopping for healthcare coverage.
First, I Googled “health insurance” and took me to the Health Government website to make sure when were deadlines. There is a whole register for a log-in process that takes a couple of business days. Once you’re issued a confirmation email, the next step is building your profile with personal information. If you haven’t done so already, I suggest you go to the Health Care website because there are important dates to mark down. For starters, last day to register health coverage is December 20th, which is tomorrow! Luckily, we can easily sign up for coverage online than the hassle of going in-person signing hardcopies. You are able to shop for your coverage in the “marketplace” that gives you a few options based on your health coverage preference.
I recently discovered Hi Oscar, health insurance offered in New York and New Jersey, through the visual appealing cartoon ads through majority of subways. I was curious, so I went online. Super user-friendly to sign up and get information; easy as, inputing your age, how many people are in your household, who is the coverage for and how much you make. Afterwards, the system produces different options for you. It’s personalized.
I personally like information when it is clear-cut and omitting any jargon or fancy words that the average Joe or Jane understands. That would be me.
After reaching out to a representative, here I was, signing up for the coverage that is best fitting for me as an individual factoring in my income. I was told that I will receive paperwork via snail mail regarding detailed information of my health policy. My first payment and coverage will be effective starting January 1st. A sign of relief overcame me, as well as feeling like an adult.
I just bought my own health insurance. So, this is what an adult feels like, huh? Not too shabby.