Health care insurance is important to protect my family’s health and my small business. By going without coverage, we are taking the risk that we could lose everything. If one of us were to get sick and need hospitalization, the heavy costs could force me to use the assets of my business to cover medical debt, which could destroy my business.
My family is not alone, in Union County 17% of the population is without health insurance, and in New Jersey there are 1.4 million uninsured. I should not have to choose between paying expensive monthly insurance premiums and keeping my business afloat in these difficult times. I can’t make ends meet AND pay for health insurance for my family.
New Jersey does have an opportunity to fix our broken health insurance system by creating a competitive health insurance market, called an “exchange”. By pooling individuals and small businesses together, the exchange will give us access to the same affordable coverage that large businesses have. Additionally, subsidies and credits will be available on the exchange to some individuals and families to offset the cost of premiums they pay.
We desperately need a health insurance exchange in New Jersey that is easy to navigate and that will meet the needs of families and small business owners. Bringing uninsured people together on the exchange to negotiate for better rates is an obvious win-win for our communities. New Jersey needs to do what’s right and set up a health insurance exchange to benefit all of its residents.
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