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Health Team

'Invincible' Raleigh woman glad to have health insurance

Posted December 17, 2013

Kat Robison says she's pleased with the insurance coverage she was able to obtain through the Affordable Care Act.
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— Kat Robison left graduate school and a job in Pittsburgh last May to move back to her hometown of Raleigh to take care of her grandmother, who suffers from dementia and a balance disorder.

In abandoning her job, Robison lost her health insurance. Buying coverage on her own has always been too expensive because she suffers from asthma and migraines, two pre-existing conditions that led to higher premiums.

Under the Affordable Care Act, however, she was able to find health insurance to fit her budget.

"It was really refreshing to fill out the application at HealthCare.gov and not be asked about pre-existing conditions," she said.

The 28-year-old is among the "young invincibles" – people ages 18 to 34 who are typically healthy – considered crucial to the success of the health insurance marketplace under the Affordable Care Act. If more of them buy coverage, it spreads the insurance risk and helps keep premiums down.

Robison said she had problems enrolling through the federal website, which was plagued with problems for weeks after its Oct. 1 launch. After repeated tries and several phone calls, she was able to find a plan and pay her initial monthly premium.

“As someone who has tried it since Day One, I can definitely see improvements in the site,” she said.

Examining Health Care, health care reform Healthy, young people critical to success of insurance marketplace

She qualifies for federal subsidies, so the gold-level plan she chose from Coventry Health Care of the Carolinas will cost her only $51.18 a month. The plan, which has a $500 deductible and a $5,000 limit on out-of-pocket costs, allows her to go to her primary care physician for free.

"I’ve actually been needing to go to the doctor, but because of financial aspects of being able to afford going to the doctor, I haven’t," she said. "As soon as I enrolled, I called and made an appointment ... on Jan. 6."

Robison said she knows not every "young invincible" will be convinced.

"I have some friends who have no intention of getting health insurance because they see it as one more bill," she said.

She, on the other hand, sees health coverage as one more blessing.

"Just to have that peace of mind, if something happens, it won't bankrupt me," she said. "I don't think I'll ever regret taking a few years off my life to make sure the end of (my grandmother's) is much better."

52 Comments

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  • soapbox Dec 18, 2013

    "It could have been done without ruining the healthcare of the 80% who were satisfied with their healthcare." - Danny22

    *sigh*... First of all, the ACA does not dictate HEALTHCARE. It specifically addresses inequities and unethical practices in the health INSURANCE industry. It's all about AVAILABILITY of healthcare.

    It also seeks to streamline medical record-keeping and other paperwork, thereby reducing costs.

    Secondly, in spite of all the propaganda to the contrary, only 25% of Americans think that our healthcare system works well. Forty-eight percent think it needs fundamental changes. And 27% think it needs to be completely rebuilt.

    So, half of Americans think our healthcare system needs major, fundamental improvement.

    And the number of Americans who think it is just fine is exceeded by the number who think it needs to be scrapped so we can start over from scratch.

    The UK is the only population that approaches your "80%." There, 63% are happy with their healthcare system.

  • Danny22 Dec 18, 2013

    It could have been done without ruining the healthcare of the 80% who were satisfied with their healthcare.

  • soapbox Dec 18, 2013

    what happened to her grand mother's Social Security? Her GrandMothers' "Medicare would help pay for a rest home and proper nurses care." - mikeyfan5600

    So she is saving the taxpayer money by taking on her grandmother's care. You bashers want to take some time to get your story straight?

    And she providing a higher level of care to boot. Rest home and proper nurses care? Provided by Medicare? You obviously have no experience in this area.

  • soapbox Dec 18, 2013

    "She quit her job with a sob story about her mother (Ive been there, REST HOME and all), got insurance under the highest subsidy and now calls it success. I didnt have the option to be with my grandmother everyday during her last years with dementia. My family didnt want "subsidies" (other peoples money) to do it." - BitCoin Trader

    That doesn't make sense. You didn't have the option? Or wouldn't make the sacrifice? And who paid for your relative's care in a rest home?

    You do realize, don't you, that home care such as this young woman provides is the best and most inexpensive care available? Other forms of care (rest homes) are far more expensive, usually substandard AND are subsidized by Medicare/Medicaid.

    Offshore, misschris and thinlady are right. This young woman is sacrificing part of her life to do the right thing for her loved one. She is taking on a huge responsibility. She is providing the best care and saving the state money. And you all bash her for it?

    Unbelievable!

  • mary13 Dec 18, 2013

    Did a little google search on Kate Robison. She went to the #WHYouthSummit and how Obama was telling them about "success" stories. Below is a link:
    http://www.redstate.com/lineholder/2013/12/03/are-you-ready-for-the-whyouthsummit/

    and this is her twitter handle:
    @katrobison

    I am wondering how she got the money to go to DC, spend several days there, etc.

    I think she is a plant.

  • mikeyfan5600 Dec 18, 2013

    thinlady, what happened to her grand mother's Social Security? Her GrandMothers' Medicare would help pay for a rest home and proper nurses care. Sounds to me life was too rough on her own and she saw a way to easy street living off Grandma and now living off the rest of the taxpayers too.

  • Brian Jenkins Dec 18, 2013

    This is a story of someone who was covered, decided to drop it, decided not to COBRA her coverage and is now getting a subsidy from the taxpayer.

    And this is supposed to be an example of how "young invincibles" are paying into the system???
    glarg
    December 18, 2013 11:02 a.m.
    [abuse] Report abuse

    Thats what I got out of it. She quit her job with a sob story about her mother (Ive been there, REST HOME and all), got insurance under the highest subsidy and now calls it success. I didnt have the option to be with my grandmother everyday during her last years with dementia. My family didnt want "subsidies" (other peoples money) to do it. Life sucks sometimes.

  • Brian Jenkins Dec 18, 2013

    It must be nice to be able to do that. My grandmother had dementia. She didnt even know who I was. We had to put her in a rest home. Bills are due and dementia didnt pay any of them.

  • IPayYouPay Dec 18, 2013

    I commend her. The elderly in this country are NOT respected as in other countries. They are forgotten here in US.

    Health care: she needs to tell her friends for me that if they don't get health insurance then DO NOT seek medical care...I will NOT help pay for them. Then, they should be denied medical assistance when they need it. Nuf said. I'm tired of paying for you!

  • Offshore Dec 18, 2013

    many young people willing to be a full time caretaker.....
    thinlady1

    Agreed.
    Those who have never taken care of someone with dementia will never understand the amount of time it takes. It's easy to sit at your computer and write junk about this subject. I've been there, this young woman has taken on a huge responsibility. While I don't like the ACA and a lot of it's contents or method of getting signatures on it, I'm glad she is able to do what she is, bravo to her.

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