Archive for January, 2016
Steven’s Health Care Story: “I Still Intend on Living A Whole Lot More”
January 21, 2016
This post originally appeared on WhiteHouse.gov.
Today is National Youth Enrollment Day, a collaborative effort to educate young adults cross the country on the importance of having health insurance. Find out how you can get covered at HealthCare.gov.
It was a cold February day like any other in Washington D.C., and my recreational soccer team was meeting up after work to prepare for our game. As we played that night in the snow, I began to notice some pain in my lower back. I shrugged it off. I was playing hard, I wanted to win, and I figured I had probably just hurt myself in the gym.
After ignoring the pain for several weeks, I finally convinced myself to go see a doctor at my local urgent care. The doctor there checked me out and noticed that I had developed some swelling in one of my testicles. She referred me to a specialist right away, and in one week I saw a urologist, had an ultrasound done, an MRI, a CT scan, blood work, and eventually an oncologist only to learn that I had stage III testicular cancer with a 7.5 cm tumor growing in my abdomen.
I remember being shocked when I heard the “C-word” for the very first time, as I imagine anyone would be. How could this have happened? I’m an active, healthy 25-year-old guy. I felt as though my whole world was spinning out from under me. It turns out that testicular cancer is just bad luck, an unfortunate mutation of my DNA. But let me tell you, that doesn’t make the diagnosis any easier to bear.
Fortunately for me, testicular cancer, even at stage III, is curable. But not without a fight. After two major operations, three months of chemotherapy, and more doctor visits than I can count, I was given the news I was always hoping for, but never promised. I was declared cancer-free in October, and this horrible burden was lifted from my shoulders.
The holiday season just came and went, and I have a lot to be grateful for. Most importantly my health, but I have a lot to be thankful for in terms of what went right for me. I am grateful that I never hesitated to go to the doctor when I first suspected something was wrong. I was able to do that because I had health insurance. In fact, I was still on my parent’s plan. I am grateful that as I turned 26, halfway through chemotherapy mind you (that was a fun birthday), I was able to enroll in a plan of my own, no questions asked. I’m even more grateful that I don’t have to worry about having a pre-existing condition follow me around the rest of my life, because although I was diagnosed with cancer at the age of 25, I still intend on living a whole lot more.
This was a journey I never intended to take, but was one that showed me the value of having health insurance and the importance of seeing a doctor. When I was first diagnosed, I remember my doctor saying, “You know Steven, men usually have a pretty good idea when something is wrong with their bodies, particularly their sexual health. Getting them to go see a doctor however, is a whole other story. If more young men came in to see the doctor, we could prevent a lot of tragedies.” I couldn’t agree more.
Steven Avila currently lives in Washington D.C. and is a political appointee at the Department of the Interior.
Health Insurance: The Good, the Bad, and the Fine
January 15, 2016
The good: You can sign up right now for quality, affordable health insurance. Most people will qualify for financial help, and get this: For those that do, the average amount of financial help when they sign up is $294 a month!
The bad: You only have until January 31st to sign up for a plan.
The fine: If you don’t have coverage in 2016, you could face a fine of $695 per adult ($347.50 per child) or 2.5% of your income — whichever is more. Yikes!
Why don’t we take a look at the math to see what that actually means?
Let’s say a family has 2 married adults and 2 children, and has an income of $55,000 a year. No one in the family has insurance.
$695 x 2 adults = $1,390
$347.50 x 2 children = $695
$1,390 + $695 = $2,085
This family would pay a fine of $2,085 for not having health insurance.
Okay, now let’s say a household contains 2 uninsured married adults and has an income of $80,000 per year.
Household income: $80,000
Tax filing threshold: $20,600
$80,000 – $20,600 = $59,400 of income is subject to the fine
2.5% of $54,400 = $1,485 ($695 x 2 adults = $1,390, which is less than 2.5% of their income)
This family would pay a fine of $1,485 for not having health insurance.
The fine is taken out of your tax refund. In some unique cases, you may not have to pay the fine.
But with financial help available, you might as well take a look at your options! Ready to get started?
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