Your Epic Fail Could Cost You $18K Without Health Insurance. Get Covered.

(Promoted by Colorado Pols)

Your Epic Fail Could Cost You $18K Without Health Insurance. Get Covered.

We’ve all done it … tried to dunk a basketball to show off to our friends, gotten overconfident and taken the double black diamond instead of our usual blue, or jogged over some black ice because we were running late.

Whether we were trying to show off or simply unaware of our surroundings, we’ve all likely experienced an absent-minded #FAIL. And too many of us choose not to get health insurance for the very same reason.

But the scary truth is, you could get hurt. And if you don’t have health insurance, getting hurt could cost you everything.

An Unintentional Fail Can Put You in the Red
Without health insurance, a small misstep could take a big bite out of your annual income. Here are a few estimates of costs an individual without insurance might pay for treatment of injuries caused by simply being clumsy*:

•    Drop a box on your foot and break your toes: $18,000 without insurance.
•    Slice your hand cooking and get an infection: $12,300 without insurance.
•    Walk into a sliding glass door and break your nose: $4,000 without insurance.

An Epic Fail Can Leave You with Nothing in the Bank
Yes, we all know that you will for sure land that [insert way-too-advanced-for-you athletic move here]. But what if you don’t? Your fail could epically drain your savings account. Here are a few estimates of costs an individual without insurance might pay for treatment of injuries caused by overconfidence*:

•    “Bet I can ride this half pipe…” Dislocate your shoulder: $11,500 without insurance.
•    “Maybe I can dunk this basketball…” Broken leg: $15,200 without insurance.
•    Try cow tipping a bull, end up with broken ribs and a collapsed lung: $10,000 without insurance.

Not Sweating the Small Stuff Can Quickly Add Up
While investing in an adult-sized roll of bubble wrap might keep you from injuring yourself (we don’t recommend this), even the healthiest person can’t avoid getting sick. Although many people can make it through this year’s common cold without a visit to the doctor, many illnesses require medical attention. Here are a few estimates of costs an individual without insurance might pay for treatment of illnesses*:

•    An asthma attack and visit to the ER: $4,000 without insurance.
•    A kidney infection and five-day hospitalization: $8,200 without insurance.
•    A heart attack and five-day hospitalization: $10,500 without insurance.

Get Covered, Colorado!
The simple truth: The costs of being uninsured are too high. One accidental misstep, ill-advised stunt or circumstance that’s out of your control can send your healthcare costs spiraling and launch you into serious debt.

The good news is that recent changes in healthcare have made getting health coverage more affordable. If you’re between the ages of 18 and 29, you may also be eligible to purchase a Colorado Young Adult, or CYA, plan available on Connect for Health Colorado. These CYA plans, also known as catastrophic plans, are designed for young people who are in good health. Because they’re intended to protect you from high cost medical emergencies, they cost you less in monthly premiums.

You may also qualify for help paying for your insurance, which may help you significantly lower costs. Find out if you qualify.

Learn more about new health insurance options at COHealthOP.org and follow the Get Covered, Colorado! campaign with #GetCoveredCO. Don’t forget: to be covered by January 1, you need to sign up for health insurance by December 23.
*Source: Healthcarebluebook.com

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Several Republicans Could be Top Recall Targets

Supporters of a recall of Democratic Sen. Evie Hudak have just a few more days (Dec. 1) to finish gathering petition signatures in hopes of getting a recall measure placed in the ballot in Arvada. But if you thought that might be the end of the recall season…think again.

Can Sen. Bill Cadman (R) survive until 2016?

As we noted earlier, Republican Sen. Vicki Marble is apparently hearing rumors about a potential recall attempt in her district. Sen. Marble's district is among those with the largest number of signatures required to trigger a recall (19,550), which is based on the total number of votes cast in the last state senate race. For comparison's sake, Sen. Hudak's district also has a high signature threshold, with 18,962 signatures required.

Democrats have decried the recall process as a subversion of Democracy and an abuse of the intent of the process. Recalls are supposed to be about clear malfeasance — they were never meant to be implemented by an interest group that doesn't like one or two specific votes. It's not just a clever line to say that we already have a recall process every two years.

Yet as much as Democrats may be disgusted by the recall efforts, there is a growing sentiment that they can no longer afford to take the high ground if control of the Senate is in danger of being flipped. Recalls are a difficult process — there's a reason that the Sept. 10 recalls were the first in state history — but the campaigns against Democratic Senator John Morse and Angela Giron were made somewhat easier by lower signature requirements: just 7,178 in Morse's SD-11, and 11,285 in Giron's SD-3.

There are several Republican Senators, however, who are more than vulnerable to a potential recall. Some could be particularly interesting, such as the case of Sen. Owen Hill; it would be curious to see a recall effort take place against Hill while he tries to simultaneously win the GOP nomination for the U.S. Senate. 

Here at Colorado Pols, we'd rather see the whole recall nonsense come to an end altogether; as we said earlier, this is not how a recall is supposed to be implemented. But if Rocky Mountain Gun Owners, the Tea Party, and other angry right-wingers insist on promoting recalls, Democrats probably can't sit on the sidelines any longer.

Take a look after the jump to see the signature requirements to trigger a recall in Senate districts held by Republicans:

RECALL TRIGGERS FOR CURRENT REPUBLICAN STATE SENATORS

Republicans were successful in recalling Morse and Giron, but there's a good chance that they will lose at least one of those seats (SD-3) back to the Democrats in the 2014 election, limiting the amount of time they could take advantage of the party switch. Conversely, there are several at-risk Republican senators who aren't up for re-election until 2016, and if Democrats were successful in those recall attempts then they would hold control of the seat for two years.

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Just how Your Children Could Ideal Profit from Probiotic Acidophilus

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