Who would have thought that the nation’s Hispanic population would become so popular? The answer is that Hispanics are the answer to making the new health care reform program succeed by expanding health insurance coverage to them.
That’s right. Hispanics are the largest uninsured group. They are the youngest of America’s ethnic populations. And they are mostly healthy. That means, through insurance premiums, they will be financially contributing to health care while using fewer health care services than others.
That is why health care insurance companies are trying very hard to get Hispanics to enroll in their programs. The federal government is joining the effort by giving money to community groups to sponsor health care forums. The media is joining in.
The challenge is to bring people who may not be familiar with health insurance. Not having health insurance may mean that people do not know how it works. There may be language issues. Terms such as premium, copay and deductions may not be clear.
New insurance exchanges begin on October 1, 2013. These are programs to introduce and sign up people who currently have no insurance. The programs will be different in every state. Nobody really can say how easy it will be to enroll such individuals.
Added to all this is the uncertain legal status of many Hispanics. Undocumented residents are not eligible for the new health insurance program.
Many families will be able to get government help in paying their health insurance premium. For some, it will not be enough money.
Find out about the new health insurance exchange programs. If you do not, they will find you.