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Ruth Vasquez's picture

Para leer este artículo en español, haga clic aquí. Many people go through or know someone who is unable to pay their high health insurance premiums, impacting their health, ruining their finances or avoiding the opportunity of preventing a life-threatening illness. After immigration policies, the lack to access to health insurance has been the main issue impacting the quality of life and the development of Latino immigrants. Since 2010, this fundamental limitation is changing for many Latinos due to the approval of the Affordable Care Act, also known as Obamacare. Since its implementation, this law has benefited millions of Latinos who already have health insurance. • 8.2 million of Latinos with private insurance now have access to expanded preventive services with no additional cost • 3.9 millions of elderly and disabled Latinos now have access to more preventive services with no additional cost • 913,000 Latinos between the ages of 19 and 25 now are able to receive health care coverage from their parents’ health plan. Health Insurance Marketplace: Now, among the next segment of society who will benefit from the Affordable Care Act are the 10.2 million of Latinos who do not have health insurance as well as those who want to explore less expensive health care options. On October 1, after filling out an application that would only take a few minutes, the people applying would immediately know if they qualify for Medicaid, Medicare or the health insurance program for children known as CHIP, even if the person has been rejected before since the coverage for these services has been expanded in most states. If people don’t qualify for the coverage, then private health insurance coverage adjusted to the law would be available. These private plans are divided in 4 packages (bronze, silver, gold and platinum) and they would be explained in a very concise and simple manner. Even though the adjustments in the health care coverage plans are not going to be available until October 1, the best way to be ready is to gather all data such as the health care needs to the applicant and their family (frequency of medical visits and exams), know if the employer would increase the premiums for health care coverage or change it, what type of health insurance the family receives and what is the family income. To participate all you need is to fill out one government marketplace application. Also, there is a 24/7 toll-free call center already available in Spanish: 1-800-318-2596. After the process is completed, the next step is to wait until January 1, 2014 when the health insurance coverage would be available so many can finally have peace of mind.

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