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Waiting for 2014: Henry & Essential Health Benefits


Continuing their “Real Stories, Real Reforms” series, Georgetown University Health Policy Institue's CHIRblog presents the second profile of everyday people across the country who will – or have already – benefited from new consumer protections under the Affordable Care Act.  Meet Henry, a pediatric stroke survivor, and learn about his family’s struggle to obtain affordable, quality insurance and how the Affordable Care Act may help.

Losing health care coverage just before your due date is not something you read about in “What to Expect When Expecting.”  Who would expect to lose their health insurance just when they needed it the most, but that is just what happened to a family from Plain, Wisconsin.  When other expectant parents were putting finishing touches on the nursery or picking up a few more diapers, Beth and Aaron Ferstl were grappling with news that Aaron had lost his job and with it, his family’s health insurance.

Aaron was laid off on January 16, 2009.  He and his wife assumed their family’s health insurance coverage purchased through his employer would cover them through the end of the month. Beth’s due date was less than a week away, so if all went smoothly, Beth and Aaron were hopeful their new baby would be born while they were still insured.

But life doesn’t always go as planned and their new baby came a couple of weeks after Beth’s due date.  They also received the shocking news that their health insurance coverage was cancelled the day Aaron lost his job. Under a federal law known as COBRA, workers who lose or leave their job are eligible to continue their coverage in their former employer’s health plan, as long as they pay the full premium. So with money from their savings and lots of help from family, Beth and Aaron scraped enough together to pay the high-cost COBRA premiums to continue their coverage.

Unfortunately, their bad luck did not end there.  Shortly after delivery, their newborn son Henry began seizing and stopped breathing. His doctors soon determined that Henry had suffered a stroke in utero, the result of a blood clot that lodged itself solidly in the left side of his brain.  Visit the CHIRblog to read the Ferstl family's full story.

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