In 2002 I was diagnosed with a condition. At that time, I was covered by the insurance provided through my job.
A year later, I left my job to start my private practice. When I tried to buy health insurance, I was denied because of my pre-existing condition.
During the following 18 months I paid for COBRA as a way to extend my former employer's insurance coverage, but at a very high cost.
After that, the only way I found to have coverage was by creating a corporation and enrolling myself as an employee.
It was expensive, and after an inquest performed by the health-insurance company, my premium was raised an extra 30 percent because of my pre-existing condition.
The coverage wasn’t good, with high deductibles, and it made it impossible to perform almost any medial procedure using the coverage.
Thanks to the Affordable Care Act, my pre-existing condition isn’t an issue anymore.
I was able to buy better insurance, with a significantly lower premium and a deductible that leads to the possibility for me to afford needed medical procedures.
Fernando Schutt, Aventura