I am unhappy with the lack of choice I have with my health insurance. As an international student studying business in the United States, the health insurance I purchased through my university provides me with a plan that is very different from a close friend of mine who gets her insurance through her job. For example, my insurance gives me 10 visits of therapy care a year with a psychologist, whereas my friend gets unlimited therapy with her plan. This is because my friend’s insurance plan gives the therapist the ability to make the decision of how long a patient needs to be seeing him/her, whereas my plan already made that decision for me ahead of time. I didn’t have a choice in being able to review different plans to obtain more therapy (since mental health coverage is necessary for me) and as a consumer of American healthcare I expected to have been given more choice in options for health insurance, especially since it’s a product that is purchased and sold. This makes it even more important since access to healthcare in the U.S. is through insurance.
I have no choice when it comes to choosing my health insurance. My employer only provides me one health plan plan and I am forced to use that one - even though I am not a fan of that option - because I am not allowed by law to purchase on my state exchange since I am offered a health plan through my job and I do not qualify for Medicaid. I feel as if my choices and options as a healthcare consumer have been stripped away from me. I was basically given a health plan I needed to buy or be forced to pay a tax.
Real life stories
about the type of every day impact healthcare in the U.S. is making with families, individuals, and businesses. They were collected as a part of our research. Submit your story here.