Story by Bara Vaida
Photos by Lilly Dong Productions, Inc.
Jordan, 26, is a freelance television commercial producer and an aspiring actor living in Venice Beach, CA. An Indianapolis transplant, he loves to take advantage of the year-round warm weather to bike, skateboard, and surf with his three roommates.
Jordan is in good health, except for pollen and dust allergies, so generally he has played sports with intensity and zest. But these days he's taking it easy because he's uninsured. Over the years his enthusiasm for bikes and skateboards has gotten him a broken ankle, collarbone, and wrist. His parents’ insurance company paid the doctors’ bills for those accidents.
"I'm technically a freelancer, and for people like us, the Marketplace could be a good alternative for getting insurance."
That ended in June, though, when Jordan turned 26 and his parents could no longer keep him on their health plan. He’s been looking online for insurance and talking with friends and family about options, but so far his research hasn’t turned up a plan with good coverage at the right price.
Jordan says he'll probably wait until October, when he can compare multiple plans against one another in California’s health insurance Marketplace. He just finished paying off his monthly student loan fee of $200, and he intends to keep setting aside that amount to help pay for insurance.
Update: Sept. 23
Jordan signed up with Covered California, the state's Marketplace, to get help on Oct. 1. He's concerned that there may not be a plan with a premium low enough for him to buy. In searching California's Marketplace web site, he learned that the lowest-cost plan for him would cost $340 a month. He had thought he'd be able to get a plan for $200 a month. He says he may check with a family friend who is an insurance broker to get his advice.
Update: Oct. 8
After early trouble getting through to Covered California, Jordan found the experience to be smooth. He created an account and found affordable plans with monthly premiums between $99 and $130. He's going to work with an insurance broker who is a family friend to help him decide which plan to buy.
Update: Dec. 6
Jordan has explored his options on the Covered California web site. He found premiums that are much lower than those he had seen earlier, and he generally found the web site easy to use. He also learned that he might be eligible for Medi-Cal, the California Medicaid program, so he’s waiting to hear about that.