This Is What It's Like To Lose Health Insurance

This Is What It's Like To Lose Health Insurance

The struggle of your health being out of your control.

At the age of 18 during your freshman year of college, one of the last things you're probably worried about is health care coverage. For most people, you're covered under your parents' health insurance until the age of 26. Most people don't think about these kinds of things, but unfortunately, I have no choice.

I lost health insurance when my father, whom I haven't seen in six years, quit his job to avoid paying child support for my siblings. The only benefit I got from this man was health coverage. This was something provided by his job and not even an additional cost to him. Since he is no longer covered, neither am I or my brother or sister. My mom does not have health insurance and is also no longer covered by my father's since their divorce.

Basically, my mom and I have been playing a waiting game with the state of Illinois to get covered. The state claimed they needed proof that my brother was U.S. citizen. My brother was born in North Carolina. Clearly, he is a citizen. In fact, he has never even left the country. I have lived in Illinois with my family about 16 of the almost 19 years of my life. The state also needed pay stubs from my job even though I already get federal aid for schooling and clearly do not have the means to afford decent health insurance on my own.

I looked at different quotes for bare minimum health coverage. This health insurance cost two hundred plus dollars a month with barely any benefits. Paying for this amount of coverage is honestly almost useless and higher coverage would be too expensive to afford. So I wait to hear from the state. And it has been months.

In the meantime, I cannot get my prescriptions for a few reasons. One is that I need a doctor to sign off on a prescription renewal. I cannot afford the cost of a doctor's visit without insurance. Usually, you have a relatively small copay, but without insurance, you would have to pay for the whole visit out of pocket, an average of $200, just for a basic visit to a general practitioner. The costs only go up if you need to see a different kind of doctor. Also, the costs of the prescriptions themselves without insurance would be another $200 plus.

So I have been off of prescriptions that greatly help my ability to function for months. I cannot afford to get my medications without insurance and the government moves at a snail's pace. Child support regulation states that proven intent to avoid payments means that said parent will be held responsible for the amount of all missed payments or be held in contempt and arrested. My father has had no repercussions for his actions whatsoever. In fact, he is getting away with a crime.

My siblings have no parental income supporting them. The loss of health insurance should be the responsibility of my father. He was expected, by the terms of the divorce, to provide insurance and child support. My family receives neither. Yet, he receives no punishment for his actions and my mom struggles to pick up the pieces. All we can do is wait for health insurance to hopefully come through. Meanwhile, the government does nothing about our situation.

Change needs to come, not only for myself but any family that may struggle in the same ways.

Cover Image Credit: public domain image

Popular Right Now

A list Of 15 Inspiring Words That Mean So Much

A single word can mean a lot.

Positivity is so important in life. A lot of times we always go to quotes for empowerment but I have realized that just one word can be just as powerful. Here is a list of inspiring words.

1. Worthy

Realizing your self-worth is important. Self-worth can really make or break a persons personality. Always know that you are worthy of respect. And also, never compare yourself to others.

2. Courage

Be courageous in life. Life has so many opportunities so do not be scared to grasp any opportunity that comes your way. You have the ability to do anything you have your heart and mind set to do, even the things that frighten you.

3. Enough

When you are feeling down and feeling that nothing you do is ever good enough, know that you are more than enough. And yes there is always room for improvement but when it comes to my self-worth I always have to remind myself that I am enough.

4. Blessed

Be thankful. A lot of times we forget how blessed we are. We focus so much on stress and the bad things that are going on in our lives that we tend to forget all of the beautiful things we have in life.

5. Focus

Focus on your goals, focus on positive things, and focus on the ones you love. Do not focus on things that will keep you from not reaching your goals and people that do not have good intentions for your life.

6. Laugh

Laughing is one of the best forms of medicine. Life is truly better with laughter.

7. Warrior

Through the good and the bad you are a warrior. Be strong, soldier.

8. Seek

Seek new things. Allow yourself to grow in life. Do not just be stuck.

9. Faith

During the bad times, no matter the circumstances, have faith that everything will be all right.

10. Live

Start living because life is honestly way too short. Live life the way you want to live. Do not let anyone try to control you.

11. Enjoy

Enjoy everything that life has to offer. Enjoy even the littlest of things because, as I said before, life is short. And plus, there is no time to live life with regrets.

12. Believe

Believe in yourself and never stop. Believing in yourself brings so many blessings and opportunities in your life.

13. Serendipity

A lot of times we look for things to fill an empty void that we have. Usually what we are looking for comes when we are not looking at all. Your serendipity will come.

14. Create

Share your ideas with the world. Creativity brings change to your life. However you chose to use your creativity do not be scared to show your intelligence, talent, and passion.

15. Love

The world is already full of so much hate, so love unconditionally with all your heart.

Cover Image Credit: Tanveer Naseer

Related Content

Connect with a generation
of new voices.

We are students, thinkers, influencers, and communities sharing our ideas with the world. Join our platform to create and discover content that actually matters to you.

Learn more Start Creating

Your Health Journey Is A Marathon, Not A Sprint

Perfection takes time.


When you first start to do something, you have all of the motivation in the world to accomplish that goal set out in front of you, especially when it comes to being healthier. The problem is as you continue through this journey and food and laziness kick in, motivation slips. It's human, and it happens to everyone no matter how physically strong they are.

Trying to be healthier doesn't always mean losing weight. It can be so your knees don't ache as much, so you don't feel as out of breath climbing stairs, or any goal you have set for yourself. Being healthier is personal and different from person to person.

I will be the first to admit that there are plenty of changes I would love to make about myself. From my weight to my body type and many other things about myself inside and out. I am by no means the most confident person about how I look, but I have worked hard for the past year to be an overall healthier person.

Becoming healthier isn't about looking thinner or fitting into a specific size of clothes. It is about taking care of yourself from eating better to working out more. There comes a feeling of confidence in what your body can do if you put a little love in it.

Perfection takes time, and I know firsthand how frustrating trying to be healthier can be.

Pizza tastes so much better than salad. It is so easy to fall into a rhythm of something that seems never to change whether that is your weight or your mile time. Sadly, you can't build a city, or become healthier overnight.

We see people who are thinner, curvier, smarter, faster, and so much more than us. We all waste time comparing ourselves to people around us and on our timelines, but some of our biggest strengths are our individuality and the gift of getting back up after falling down.

All I can say is, please don't give up on your goal of being healthier because this is solely for you. We can have a great support system in the world and have everyone in our corner, but that isn't enough.

You need yourself. You need to know that if you don't entirely put yourself in this journey, then you won't fully succeed. Your commitment to bettering yourself can keep you going even if you want to give up.

Your motivation may not be at its peak level right now, and you may have every cell in your body screaming at you to quit. Don't do it. Prove to yourself that you can keep going no matter what. Not giving up will be worth it. The results and taking the hard way will make you a stronger person inside and out.

You can do this. You can do anything you want to accomplish if you just believe in yourself. You need to understand that becoming healthier takes endurance. There will be periods where you slow down and may not be going at your fastest pace. The difference is that you are not giving up and you are still trying and moving.

Don't treat becoming healthier as a sprint: short term and quick. That mentality will only leave you feeling deflated and defeated. It is a life-long marathon of pacing yourself and pushing yourself further than ever before.

Related Content

Facebook Comments