What Happens If You Don’t Have Insurance While In Quarantine?

There is a small amount of good news that has come out in the last few weeks: if you get tested for COVID-19, the disease caused by the novel coronavirus, you won’t be charged. However, if you test positive — it’s bad news whether you have insurance or not. Those with insurance can expect to pay thousands in out-of-pocket premiums, deductibles, copay, etc. Those without insurance can expect to pay tens of thousands in medical costs.

In other words, failing to procure insurance during this dangerous viral outbreak could cost you your livelihood. With millions of Americans already filing for unemployment benefits, we can expect that the number of insured will plummet. If you haven’t already started to see the economic cost of COVID-19, then you will soon.

There’s another small piece of almost-good news. President Trump is considering opening Obamacare applications during the outbreak. Although he’s doing this even as his administration sends the ACA to the Supreme Court to rule on whether or not the law is constitutional. He’s doing everything in his power to dismantle one of the greatest financial remedies to this crisis. 

It’s almost as if the world is screaming for him to stop.

Coupled with the news that President Trump wants to lift restrictions for travel and businesses as soon as possible, and it’s not difficult to see the writing on the wall: America is in for a world of hurt.

There are few legal remedies available to you when you cannot afford insurance in this time of crisis, whether it be health, home, or car insurance. Do your best to find coverage. If you can’t, then apply for unemployment and wait for the government to send you a check or two. Give a qualified insurance or employment lawyer a call to see if there are any obvious legal resolutions for your individual situation.

Did your boss fire you because you were sick?

Did someone purposely infect you with the virus?

Do you blame your employer for failing to take the right safety precautions?

Were you forced to work while sick?

All of these provide you with limited options for compensation, but at least they exist. There will be tens of thousands — or potentially even millions — of lawsuits in the coming months and years due to the coronavirus outbreak and the likely global recession that follows. We will do everything in our power to make you whole again. But first we need to hear your story!