RandyG wrote:
My family of four lives on a single income. We have a mortgage, a broken-down old car, and superannuated appliances which I am glad I have the mechanical skills to repair, because we can rarely afford repairmen. We are not rich. Our old insurance was "too good," so it is going away, and we are switching to a plan which costs more and delivers less. We have a friend, a widow, who supports her three children by working as a cleaning lady; she already couldn't afford insurance at pre-ACA rates, but now has to somehow either buy even more expensive insurance or pay a hefty fine for not being able to afford it.
Rage all you like, put words in my mouth, knock down straw men left and right: it doesn't matter. Obamacare is screwing over thousands of ordinary, non-rich people, and the horror stories are coming out in droves, all over the place. And those of us who actually read the proposed bill, way back when, are trying not to say "I told you so" too often.
I look at the ACA from a more utilitarian viewpoint. In the long run, tens of millions of people who would not have had any option for health care other than the emergency room will now be able to receive preventive and screening tests. The insurance companies will have tens of millions of new customers. Medicare has been expanded to cover millions of people (who live in states where it wasn't blocked by Republican led state legislatures). The state run exchanges for the most part have been able to list insurance plans at a significantly lower cost (again, where state Republicans have not done everything in their power to limit the number of insurers in their state). The ACA raises the minimum standards that must be followed by insurance companies. The Act is designed to be self funding (in the long term), and will reduce the amount of tax money that must be spent to cover unpaid emergency room visits that will not be paid for by those who rack up those charges. Plus with preventive care now being mandatory coverage for all insurance, the amount of costly medical issues that become much worse because people can't afford to see a doctor will decline. To be honest, if the SCOTUS hadn't stripped out many provisions and put them into the hands of the states (like Medicare expansion) and put other parts into the hands of the federal government instead of the states (health exchanges), it would already be nearing a self-funded point. If they hadn't delayed some of the requirements for businesses it would be there already.
Yes, there will be some people that are affected negatively in the short term (more so in states where Republicans are trying to make it as ineffective as possible), but many, many more will be much better off because of it. My own insurance rates through work have actually gone down as of January 1st (although only by a few dollars), and they actually cover more and have eliminated co-pays on all preventive care and regular screenings.
And for those of you who are cranky about the problems with the federal health exchange bugs, remember that the federal government was putting the exchanges into the hands of the states. With 35 states declining to take any responsibility, the feds had to scramble to cobble together exchanges for 35 states in a relatively short period of time. It will probably be a while until all of the bugs are worked out.
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"The surest way to corrupt a youth is to instruct him to hold in higher esteem those who think alike than those who think differently" -Nietzsche