By Daniel DeMarco |Staff Writer|
The Affordable Care Act, also known as Obamacare, has launched, but there are other options for health insurance.
Obamacare was created for a purpose presented in the official title: To provide affordable health care for the masses in the form of a marketplace.
According to CNN, most Americans won’t have to use the new marketplace because they will still be getting next year’s insurance plan through work.
Brandon Crane (full-time factory worker, age 29) said, “I’m not really concerned with Obamacare, I’m happy with the insurance that my job gives me.”
Many argue that a healthcare plan is not something that should be chosen quickly or randomly, there are plenty of things to consider as one shops for the insurance plan which they will have the entire year.
One of the biggest concerns is money; how much one makes, how much one can spend, etc.
A concern equally important is how much health care one envisions needing.
There is a big difference between someone who is young, healthy, and has no honest issues compared to someone older, overweight, with bad eye sight, and tends to have a weak immune system.
Just as there is a big difference between these two potential people, there is a big difference in the insurance plan that would best suit them.
It is impossible to predict major health issues such as cancer or a bad car crash that will appear without warning.
Many argue choosing a plan based on facts and known issues is best.
If there are a lot of health problems, in the long run it is better for to spend more on health insurance now and to save a ton of money when the health care is needed.
In the mirrored situation, a generally healthy person will probably save more money in the long run to spend less on insurance now and a little more on those occasional hospital needs that come.
When asked what she thought of health care, “I’m not looking forward to dealing with it.” Marlene Beltran (CSUSB Student, age 22) said, “I’m happy my parents have good insurance that takes care of me.”
Most college students should not have to worry about getting healthcare insurance.
It is very likely the parent’s insurance provider also covers the student as long as they are under 26.
Even for those students who unfortunately do not fit into that category, most colleges include health insurance for their students as part of their tuition fees, however not all health requirements are covered.
According to the CSUSB website, “As a regularly enrolled student at CSUSB, you pay a Student Health Fee and you are automatically eligible for health and counseling care at the Student Health and Psychological Counseling Center… Although basic health care is provided by the Student Health Center, major illness and injury, as well as certain conditions requiring a specialist or hospitalization, are beyond our scope of service.”
Health insurance can be intimidating at first, but it’s really about knowing oneself.