THE BLOG
01/29/2015 12:48 pm ET Updated Dec 06, 2017

Kalwis Lo's #GetCovered Story

Kalwis Lo remembers the day that the Affordable Care Act was signed into law by President Barack Obama. While the other students he had worked with to support the Affordable Care Act went out to celebrate, he stayed in, feeling exhausted. 

Said Kalwis, “I didn’t know at that moment that a year and a half later I would be benefitting from the very law that was passed that night.”

Kalwis’ family was uninsured, but as a college student, he had health coverage provided by the university. At school, Kalwis was focused on his studies and was involved in numerous student groups. Being so involved on campus, Kalwis did not notice the symptoms he was experiencing. He said, “I remember organizing and being a student leader on campus. It took a lot of my time, and I just thought that I was just tired and I wasn’t getting enough rest.”

But two months after graduation, he was no longer covered by his school’s health plan, and his fatigue got worse. The summer after he graduated, he began to undergo medical testing. That August, he was diagnosed with stage 3 Hodgkin’s disease.

His nightmare got worse. His insurance provider denied coverage for the treatments he would need to battle his cancer because they considered it a “pre-existing condition.” Then he was denied by every major health insurance company he applied to. As working-class Chinese Americans, his parents didn’t have much money but reached into their own savings to put him through medical testing and chemotherapy treatments. They asked friends and family for help to cover the cost of his care.

Fortunately, Kalwis kept following the Affordable Care Act, and one day he learned something that changed everything. He learned that the Affordable Care Act created a temporary Pre-Existing Condition Insurance Plan program to make health insurance available to anyone denied coverage because of a pre-existing condition. He looked into it further and learned that California was one of the states participating in the program. He enrolled in the program, allowing him to afford the chemotherapy treatments he needed. Today, because of the Affordable Care Act, Kalwis is cancer-free and living a healthy life.

On National Youth Enrollment Day, Kalwis reminds us the importance of getting covered:

The deadline to enroll in the Health Insurance Marketplace is February 15, 2015. Visit HealthCare.gov or call 1-800-318-2596 to #GetCovered today!