Costs worry woman, 26, who wants health insurance - Quincy Herald-Whig | Illinois & Missouri News, Sports

YOUNG INVINCIBLE: Costs worry woman, 26, who wants health insurance

Posted: Updated:
Helena Gudger, 26, looks through some of her homework as she takes a break between classes at her college in Phoenix. She wants to sign up for private health insurance when the new federal marketplace opens Oct. 1. (AP Photo/Ross D. Franklin) Helena Gudger, 26, looks through some of her homework as she takes a break between classes at her college in Phoenix. She wants to sign up for private health insurance when the new federal marketplace opens Oct. 1. (AP Photo/Ross D. Franklin)

BY BOB CHRISTIE
Associated Press

PHOENIX (AP) — Helena Gudger is the type of person health insurance companies need on the books as the federal Affordable Care Act begins to roll out: Young, relatively healthy and hungry for coverage.

The 26-year-old Phoenix resident has gone the past four years without health insurance, using clinics and the county hospital for checkups, routine tests and visits to a gynecologist. She pays cash, checks prices and tries to go when doctors are offering discounts.

But she also is aware that she will be in a lurch if she gets sick. She does her best to avoid crowds where she could pick up an infection and even researches the local lake for outbreaks when her friends plan an outing. She wants to sign up for private health insurance as soon as the new federal marketplace opens in October.

"I know I have to plan ahead with certain events. I try to avoid crowded places where a lot of exchange of germs may transpire — I don't want to get sick," Gudger said. "It definitely makes you more aware of your surroundings. It's a constant factor in the back of your mind."

Insurance companies need young, healthy adults to buy insurance because new mandates under the federal health care reforms mean they can no longer turn away people with pre-existing medical conditions or charger older people much higher premiums.

They now must offer policies to everyone, no matter their health, and face limits on prices for older customers.

The twentysomethings and those in their early 30s who are most coveted by the insurance industry have a difficult decision to make as the health insurance exchanges begin accepting enrollment in October: Should they pay the $100 annual penalty for not having insurance or pay monthly premiums for coverage that might have high deductibles and out-of-pocket expenses?

Some six million people of various ages will pay the tax penalty for not having insurance next year, the Affordable Care Act's first full year of implementation, according to the Congressional Budget Office.

Some younger people argue they don't need insurance and will opt to pay the penalty, although by 2016 the fine jumps to $695 a year or 2.5 percent of taxable income, whichever is more.

Gudger said she is not in that category. A student at two-year Phoenix College who hopes to eventually earn a four-year environmental science degree, she just started a $13-an-hour, part-time job for a company selling solar panels. She has spoken with her mother about how the law will help her get insurance.

But she has little information about how the new federal marketplace — Arizona chose not to run a state program — will work, let alone the exact coverage the plans might provide. And while she may qualify for insurance through her employer in six months, that's a long way off for her and she wants to know her options now, and for the future.

"What I know is pretty much I believe in the next year or so everybody's going to have health care, whether you have kids or not," she said. "Everybody needs to have health care in some form or another."

Based on her income, Gudger will qualify for federal subsidies that will pay nearly half the premium for a midpoint "silver" plan, which covers 70 percent of costs and includes co-pays. An online calculator created by the Kaiser Family Foundation estimates her annual premium at $3,163 and the federal subsidy at $1,434, leaving her with a premium of $1,729, or $144 a month.

Even with the federal subsidies, that estimated cost is higher than what she hoped to see. And because she wants a decent insurance policy, not the bare-bones coverage cheaper plans offer, she's still not sure just how she'll proceed.

"If I was to be able to be offered affordable health insurance, I would say I would probably afford anywhere between $60 and $100 a month," Gudger said. "I wouldn't want to pay more than $75, considering I'd have to pay for prescriptions and copays if I have to see a doctor."

  • Local HeadlinesLocal HeadlinesMore>>

  • JWCC nursing program ranks among state's best

    JWCC nursing program ranks among state's best

    Monday, August 25 2014 11:24 AM EDT2014-08-25 15:24:22 GMT
    John Wood Community College's Licensed Practical Nursing Program is among the finest in the state, according to a PracticalNursing.org ranking of the 43 community colleges that offer nursing. JWCC's four-year...
    John Wood Community College's Licensed Practical Nursing Program is among the finest in the state, according to a PracticalNursing.org ranking of the 43 community colleges that offer nursing. JWCC's four-year...
  • Despite concerns, committee recommends city buy two more garbage trucks, two recycling trucks

    Despite concerns, committee recommends city buy two more garbage trucks, two recycling trucks

    Tuesday, August 26 2014 11:27 PM EDT2014-08-27 03:27:17 GMT
    A committee reviewing Quincy's garbage and recycling program on Tuesday recommended that the city buy two more garbage trucks and two new recycling trucks, though some committee members continue to have concerns over...
    A committee reviewing Quincy's garbage and recycling program on Tuesday recommended that the city buy two more garbage trucks and two new recycling trucks, though some committee members continue to have concerns over...
  • Adams Electric, at 75, continues mission 'of improving the quality of life in rural areas'

    Adams Electric, at 75, continues mission 'of improving the quality of life in rural areas'

    Tuesday, August 26 2014 7:50 PM EDT2014-08-26 23:50:31 GMT
    CAMP POINT, Ill. - Not everyone thought electricity was the wave of the future back in the 1930s. Directors of the Adams Electric Cooperative touted electricity's convenience and countered the skeptics in early membership drives, and their work paid off with a co-op that remains dedicated to serving its customers after 75 years.
    CAMP POINT, Ill. - Not everyone thought electricity was the wave of the future back in the 1930s. Directors of the Adams Electric Cooperative touted electricity's convenience and countered the skeptics in early membership drives, and their work paid off with a co-op that remains dedicated to serving its customers after 75 years.
Powered by WorldNow
All content © Copyright 2000 - 2014 WorldNow and Quincy Herald-Whig. All Rights Reserved.
For more information on this site, please read our Privacy Policy and Terms of Service and Mobile Privacy Policy & Terms of Service.