{"id":3519,"date":"2014-01-11T18:13:41","date_gmt":"2014-01-11T22:13:41","guid":{"rendered":"https:\/\/kerryhannon.com\/?p=3519"},"modified":"2014-12-15T19:05:23","modified_gmt":"2014-12-15T23:05:23","slug":"when-a-money-writers-health-policy-was-canceled","status":"publish","type":"post","link":"https:\/\/kerryhannon.com\/?p=3519","title":{"rendered":"When A Money Writer&#8217;s Health Policy Was Canceled"},"content":{"rendered":"<p><a href=\"https:\/\/kerryhannon.com\/?attachment_id=2284\" rel=\"attachment wp-att-2284\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"2284\" data-permalink=\"https:\/\/kerryhannon.com\/?attachment_id=2284\" data-orig-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2012\/10\/next-ave.gif?fit=300%2C300&amp;ssl=1\" data-orig-size=\"300,300\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;}\" data-image-title=\"next-ave\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2012\/10\/next-ave.gif?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2012\/10\/next-ave.gif?fit=300%2C300&amp;ssl=1\" class=\"alignleft size-thumbnail wp-image-2284\" src=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2012\/10\/next-ave.gif?resize=150%2C150&#038;ssl=1\" alt=\"next-ave\" width=\"150\" height=\"150\" srcset=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2012\/10\/next-ave.gif?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2012\/10\/next-ave.gif?w=300&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a>Right now, I\u2019m gazing at the cover of the 142-page Individual Enrollment Agreement that arrived in the mail from my new health insurer, CareFirst BlueCrossBlueshield.<\/p>\n<p>The sleek, longhaired woman in the picture is smiling brightly. I\u2019m not feeling her joy.<\/p>\n<p>I\u2019ve been stewing about health insurance since October \u2014 ever since my husband, Cliff (a freelance TV documentary producer\/editor), and I were notified by our health insurance provider, Assurant Health, that our plan was canceled.<\/p>\n<aside data-position=\"4\"><\/aside>\n<p>But we\u2019re grateful we were able to land new coverage in just two weeks. (I\u2019ll explain how in a minute.) You have until March 31 to sign up for coverage that starts in 2014 or risk owing a penalty. The December deadline was for coverage beginning Jan. 1, 2014; if you enroll through the\u00a0<a href=\"http:\/\/www.healthcare.gov\/\" target=\"_blank\">federal marketplace<\/a>\u00a0by Jan. 15, coverage will start Feb. 1.<\/p>\n<p><strong>(MORE:\u00a0<\/strong><a href=\"http:\/\/www.nextavenue.org\/article\/2013-11\/what-do-if-your-health-insurance-canceled\" target=\"_blank\">What to Do If Your Health Insurance is Canceled<\/a>)<\/p>\n<p><strong>Shocked to Lose Health Coverage<\/strong><\/p>\n<p>I have to admit, however, that I was fuming when we lost our coverage. I had been a big supporter of the new Affordable Care Act \u2014 aka Obamacare \u2014 and was completely shocked to be on the losing end of it.<\/p>\n<p>For some reason, I never suspected our insurer would lop us off because our plan didn\u2019t meet the new minimum benefit standards set by the Affordable Care Act. (Assurant actually opted to stop writing\u00a0<em>all\u00a0<\/em>coverage in the District of Columbia where we live.)<\/p>\n<p>Cliff and I are among the millions of Americans (many who are self-employed like us) who\u2019ve been required to get new policies if we want to have health insurance. About 12 million Americans, or 5% of the population, purchase their own individual policies; they aren\u2019t covered through their employers, Medicare or Medicaid.<\/p>\n<p><strong>Sticker Shock In Our Home<\/strong><\/p>\n<p>Our sticker shock is real. We\u2019ll shell out $7,800 this year for our new plan covering Cliff, who\u2019ll be 60 in April, and me, 53. That\u2019s $1,380 more than we paid for our Assurant coverage last year. We won\u2019t qualify for federal aid to pay for the premiums; a two-person household qualifies for a subsidy only if it earns less than $62,040. (The Kaiser Family Foundation has an\u00a0<a href=\"http:\/\/kff.org\/interactive\/subsidy-calculator\" target=\"_blank\">online subsidy calculator<\/a>\u00a0hat will give you an estimate of your subsidy amount.)<\/p>\n<p>The good news: Our out-of-pocket annual family deductibles will be $4,600 lower for in-network providers than with our previous plan, although they\u2019ll be nearly $1,000 higher for out-of-network doctors.<\/p>\n<p>(<strong>MORE<\/strong>:\u00a0<a href=\"http:\/\/www.nextavenue.org\/article\/2013-10\/6-things-boomers-need-know-about-obamacare\" target=\"_blank\">6 Things Boomers Need to Know About Obamacare<\/a>)<\/p>\n<p>It\u2019s not just the self-employed who are paying more for health insurance this year. About half (47%) of Americans with employer-based plans say more money is being taken out of their paychecks for coverage than a year ago, according to a\u00a0<a href=\"http:\/\/www.bankrate.com\/finance\/insurance\/health-insurance-poll-0114.aspx?ic_id=Top_Stories_link_1\" target=\"_blank\">Bankrate.com report<\/a>. More than half of females with employer-based coverage (52%) report higher out-of-pocket expenses, while just 35% of males do.<\/p>\n<p>Here\u2019s what we did to land our new health coverage:<\/p>\n<p><strong>First stop, the public insurance exchange<\/strong>. Even though I\u2019ve written a lot about health insurance, I was flummoxed by\u00a0<a href=\"http:\/\/www.healthcare.gov\/\" target=\"_blank\">HealthCare.gov<\/a>, the government\u2019s site hosting the public insurance exchange for most states. The site is now working much better than when I tried, though.<\/p>\n<p>Most of the plans I found there were HMOs and, although the premiums were a little cheaper than what we paid Assurant, we wouldn\u2019t be able to go to the doctors we\u2019ve used for years \u2014 including our primary physician, allergist, eye doctor and dermatologist. (My gynecologist stopped accepting health insurance years ago.)<\/p>\n<p>So none of these health providers seemed worth it. Our chief goal was to find an insurer our doctors would honor.<\/p>\n<p>In addition, the HMO and PPO exchange plans came with deductibles slightly higher than the $10,000 Assurant had required.<\/p>\n<p><strong>Next stop, an insurance agent.<\/strong>\u00a0After our experience with HealthCare.gov, Cliff and I realized we needed a health insurance Sherpa. Since we earn too much to receive a federal subsidy, we knew we\u2019d be allowed to buy coverage through an insurance agent or broker.<\/p>\n<p>I contacted a broker who helped us navigate the terrain two years ago when we switched from an employer-provided health plan to self-employment.<\/p>\n<p>Thankfully, our agent did the painful legwork and advised us to go straight to insurers writing individual policies in D.C., skipping the exchanges for now.<\/p>\n<p>Alas, the one we found, CareFirst, wasn\u2019t accepted by our primary physician. But the allergist, dermatologist and eye doctor were on the list. So we\u2019d need to budget to pay more for some services, but we could rest comfortably knowing we\u2019d be insured if a medical catastrophe hit.<\/p>\n<p>We filled out the simple online application and were accepted for coverage a week later.<\/p>\n<p>Side note: A funny thing happened when I went to my primary doc for my annual physical just before my existing policy expired. He told me he would no longer accept Assurant in 2014. So even if we hadn\u2019t been canceled, our visits would no longer be covered.<\/p>\n<p><strong>Third stop, an attitude adjustment.<\/strong>\u00a0During our urgent health-policy shopping experience, I saw first hand that not everything would cost me more in 2014. Flu shots, mammogram screenings for women over 40 every one to two years and osteoporosis screenings for women over 60, aren\u2019t subject to deductibles or co-pays, even in high-deductible plans. (Healthcare.gov has a rundown of the law\u2019s preventive coverage provisions.)<\/p>\n<p><strong>Money-Saving Advice for Health Insurance Shoppers<\/strong><\/p>\n<p>If you need to shop for a health insurance policy now here\u2019s my advice on how to keep your costs down:<\/p>\n<p><strong>Compare premiums, deductibles and out-of-pocket costs from multiple insurers.<\/strong>\u00a0Start by going to Healthcare.gov or the site for your state exchange.<\/p>\n<p>After I did that, I used a broker to save time and angst (you can look for one at the\u00a0<a href=\"http:\/\/www.nahu.org\/\" target=\"_blank\">National Association of Health Underwriters<\/a>\u00a0website). But you can shop on your own at such websites as\u00a0<a href=\"http:\/\/www.ehealthinsurance.com\/\" target=\"_blank\">ehealthInsurance.com<\/a>,\u00a0<a href=\"http:\/\/www.getinsured.com\/\" target=\"_blank\">Getinsured.com<\/a>,\u00a0<a href=\"http:\/\/www.gohealthinsurance.com\/\" target=\"_blank\">GoHealthinsurance.com<\/a>,\u00a0<a href=\"http:\/\/www.healthcompare.com\/\" target=\"_blank\">Healthcompare.com<\/a>,\u00a0and\u00a0<a href=\"http:\/\/www.netquote.com\/\" target=\"_blank\">Netquote.com<\/a>. Check to see whether your preferred doctors are in-network.<\/p>\n<p><strong>Open a tax-advantaged\u00a0<a href=\"http:\/\/www.nextavenue.org\/article\/2013-08\/how-get-most-out-your-health-savings-account\" target=\"_blank\">Health Savings Account\u00a0<\/a>(HSA).<\/strong>\u00a0This financial tool works in conjunction with a health insurance policy to help you save money for future health costs and keep those expenses down.<\/p>\n<p>With an HSA, you contribute pre-tax earnings to a tax-deferred investment account and then make tax-free withdrawals for medical expenses. You\u2019ll pay a small annual fee of about $45 for an HSA from a no-load mutual fund company like Fidelity or Vanguard.<\/p>\n<p>You can contribute up to $3,300 to an HSA for individual coverage in 2014 (up to $4,300 if you\u2019re 55 or older). For families, the limit on contributions is $6,550; $7,550 if you\u2019re 55 or older. You can find a list of insurers offering HSA plans at\u00a0<a href=\"http:\/\/www.hsainside.com\/\" target=\"_blank\">HSAInside.com<\/a>.<\/p>\n<p><strong>Ask healthcare providers for a discount<\/strong>. Hospitals and doctors might be willing to cut you a break, especially if insurance won\u2019t be footing much or any of the bill. Check out websites such as\u00a0<a href=\"http:\/\/www.fairhealthconsumer.org\/\" target=\"_blank\">Fairhealthconsumer.org<\/a>,\u00a0<a href=\"http:\/\/www.healthcarebluebook.com\/\" target=\"_blank\">Healthcarebluebook.com<\/a>\u00a0and\u00a0<a href=\"http:\/\/www.newchoicehealth.com\/\" target=\"_blank\">Newchoicehealth.com<\/a>\u00a0to compare the cost of medical procedures so you understand how much wiggle room you might have.<\/p>\n<p><strong>Resolve to eat healthier and exercise more in 2014.\u00a0<\/strong>Physical fitness is the best way to save on medical bills over the long haul.<\/p>\n<p>Cliff is now religious about making his morning juice \u2014 kale, carrots, blueberries and more all whirled together in the blender. Looks disgusting, but tastes great.<\/p>\n<p>Sl\u00e1inte. (That\u2019s the Scottish and Irish toast for \u201cgood health.\u201d)<\/p>\n<p><em>Kerry Hannon has spent more than 25 years covering personal finance for Forbes, Money, U.S. News &amp; World Report and USA Today. Her website is\u00a0<a href=\"https:\/\/kerryhannon.com\/\" target=\"_blank\">kerryhannon.com<\/a>. Follow her on Twitter\u00a0<a href=\"http:\/\/twitter.com\/#!\/KerryHannon\" target=\"_blank\">@kerryhannon<\/a>.<\/em><\/p>\n<p>&nbsp;<\/p>\n<div><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/2013\/12\/03\/last-minute-tips-for-medicare-open-enrollment\/\"><img data-recalc-dims=\"1\" height=\"168\" width=\"300\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/b-i.forbesimg.com\/nextavenue\/files\/2013\/12\/last-minute-tips-for-medicare-open-enrollment_178989646_154969065-300x168.jpg?resize=300%2C168&#038;ssl=1\" alt=\"\" \/><\/a><\/div>\n<div><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/2013\/12\/03\/last-minute-tips-for-medicare-open-enrollment\/\">Last-Minute Tips For Medicare Open Enrollmen<\/a><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/2013\/12\/03\/last-minute-tips-for-medicare-open-enrollment\/\">t<\/a><\/div>\n<div><cite><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/\"><img decoding=\"async\" src=\"https:\/\/1.gravatar.com\/avatar\/39a6d8b4d66dd626a208dae867c4ab8e?s=40&amp;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D40&amp;r=G\" alt=\"Richard Eisenberg\" \/><\/a><\/cite><\/div>\n<div><cite><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/\"><strong>Richard Eisenberg<\/strong><\/a><\/cite><\/div>\n<div><cite><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/\">Contributor<\/a><\/cite><\/div>\n<div><\/div>\n<div><\/div>\n<div><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/2013\/10\/14\/tips-for-medicares-tricky-open-enrollment-season\/\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/b-i.forbesimg.com\/thumbnails\/blog_2395\/pt_2395_3481_o.jpg?w=640&#038;ssl=1\" alt=\"\" \/><\/a><\/div>\n<div><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/2013\/10\/14\/tips-for-medicares-tricky-open-enrollment-season\/\">Tips For Medicare&#8217;s Tricky Open Enrollment Season<\/a><\/div>\n<div><cite><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/\"><img decoding=\"async\" src=\"https:\/\/1.gravatar.com\/avatar\/bfaf917169df93020a77f012c6f674e2?s=40&amp;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D40&amp;r=G\" alt=\"Caroline Mayer\" \/><\/a><\/cite><\/div>\n<div><cite><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/\"><strong>Caroline Mayer<\/strong><\/a><\/cite><\/div>\n<div><cite><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/\">Contributor<\/a><\/cite><\/div>\n<div><\/div>\n<div><\/div>\n<div><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/2013\/10\/25\/how-government-could-cut-long-term-care-costs\/\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/b-i.forbesimg.com\/thumbnails\/blog_2395\/pt_2395_3583_o.jpg?w=640&#038;ssl=1\" alt=\"\" \/><\/a><\/div>\n<div><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/2013\/10\/25\/how-government-could-cut-long-term-care-costs\/\">How Government Could Cut Long-Term Care Costs<\/a><\/div>\n<div><cite><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/\"><img decoding=\"async\" src=\"https:\/\/1.gravatar.com\/avatar\/39a6d8b4d66dd626a208dae867c4ab8e?s=40&amp;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D40&amp;r=G\" alt=\"Richard Eisenberg\" \/><\/a><\/cite><\/div>\n<div><cite><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/\"><strong>Richard Eisenberg<\/strong><\/a><\/cite><\/div>\n<div><cite><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/\">Contributor<\/a><\/cite><\/div>\n<div><\/div>\n<div><\/div>\n<div><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/2013\/10\/18\/life-in-the-waiting-room-harrowing-but-hopeful\/\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/b-i.forbesimg.com\/thumbnails\/blog_2395\/pt_2395_3530_o.jpg?w=640&#038;ssl=1\" alt=\"\" \/><\/a><\/div>\n<div><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/2013\/10\/18\/life-in-the-waiting-room-harrowing-but-hopeful\/\">Life In &#8216;The Waiting Room&#8217;: Harrowing, But Hopeful<\/a><\/div>\n<div><cite><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/\"><img decoding=\"async\" src=\"https:\/\/0.gravatar.com\/avatar\/40cc73ff6cd7c07f1dbc09e6ca64e1e7?s=40&amp;d=http%3A%2F%2F0.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D40&amp;r=G\" alt=\"Gary Drevitch\" \/><\/a><\/cite><\/div>\n<div><cite><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/\"><strong>Gary Drevitch<\/strong><\/a><\/cite><\/div>\n<div><cite><a href=\"http:\/\/www.forbes.com\/sites\/nextavenue\/\">Contributor<\/a><\/cite><\/div>\n<div style=\"padding-bottom:20px; padding-top:10px;\" class=\"hupso-share-buttons\"><!-- Hupso Share Buttons - http:\/\/www.hupso.com\/share\/ --><a class=\"hupso_toolbar\" href=\"http:\/\/www.hupso.com\/share\/\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/static.hupso.com\/share\/buttons\/share-small.png?w=640&#038;ssl=1\" style=\"border:0px; padding-top:5px; float:left;\" alt=\"Share Button\"\/><\/a><script type=\"text\/javascript\">var hupso_services_t=new Array(\"Twitter\",\"Facebook\",\"Google Plus\",\"Pinterest\",\"Linkedin\",\"StumbleUpon\",\"Digg\",\"Reddit\",\"Bebo\",\"Delicious\");var hupso_background_t=\"#EAF4FF\";var hupso_border_t=\"#66CCFF\";var hupso_toolbar_size_t=\"small\";var hupso_image_folder_url = \"\";var hupso_url_t=\"\";var hupso_title_t=\"When A Money Writer&#039;s Health Policy Was Canceled\";<\/script><script type=\"text\/javascript\" src=\"https:\/\/static.hupso.com\/share\/js\/share_toolbar.js\"><\/script><!-- Hupso Share Buttons --><\/div>","protected":false},"excerpt":{"rendered":"<p>Right now, I\u2019m gazing at the cover of the 142-page Individual Enrollment Agreement that arrived in the mail from my new health insurer, CareFirst BlueCrossBlueshield. The sleek, longhaired woman in the picture is smiling brightly. I\u2019m not feeling her joy. I\u2019ve been stewing about health insurance since October \u2014 ever since my husband, Cliff (a [&hellip;]<\/p>\n<div style=\"padding-bottom:20px; padding-top:10px;\" class=\"hupso-share-buttons\"><!-- Hupso Share Buttons - http:\/\/www.hupso.com\/share\/ --><a class=\"hupso_toolbar\" href=\"http:\/\/www.hupso.com\/share\/\"><img src=\"https:\/\/static.hupso.com\/share\/buttons\/share-small.png\" style=\"border:0px; padding-top:5px; float:left;\" alt=\"Share Button\"\/><\/a><script type=\"text\/javascript\">var hupso_services_t=new Array(\"Twitter\",\"Facebook\",\"Google Plus\",\"Pinterest\",\"Linkedin\",\"StumbleUpon\",\"Digg\",\"Reddit\",\"Bebo\",\"Delicious\");var hupso_background_t=\"#EAF4FF\";var hupso_border_t=\"#66CCFF\";var hupso_toolbar_size_t=\"small\";var hupso_image_folder_url = \"\";var hupso_url_t=\"\";var hupso_title_t=\"When A Money Writer&#039;s Health Policy Was Canceled\";<\/script><script type=\"text\/javascript\" src=\"https:\/\/static.hupso.com\/share\/js\/share_toolbar.js\"><\/script><!-- Hupso Share Buttons --><\/div>","protected":false},"author":2,"featured_media":2284,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[29,212,33,62,101,63],"tags":[340,191,35,220,75],"class_list":["post-3519","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finances","category-forbes-2","category-heatlh","category-next-avenue","category-personal-finance-2","category-women-and-money","tag-finances","tag-forbes","tag-health","tag-healthcare","tag-personal-finance"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2012\/10\/next-ave.gif?fit=300%2C300&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/p3YFQS-UL","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/kerryhannon.com\/index.php?rest_route=\/wp\/v2\/posts\/3519","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kerryhannon.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kerryhannon.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kerryhannon.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/kerryhannon.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3519"}],"version-history":[{"count":4,"href":"https:\/\/kerryhannon.com\/index.php?rest_route=\/wp\/v2\/posts\/3519\/revisions"}],"predecessor-version":[{"id":4223,"href":"https:\/\/kerryhannon.com\/index.php?rest_route=\/wp\/v2\/posts\/3519\/revisions\/4223"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kerryhannon.com\/index.php?rest_route=\/wp\/v2\/media\/2284"}],"wp:attachment":[{"href":"https:\/\/kerryhannon.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3519"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kerryhannon.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3519"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kerryhannon.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3519"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}