Yesterday in our break room Fox News was on and there was a panel of three people talking about the record increase in Obamacare sign-ups. They thought that meant that people are afraid that Donald Trump with the Republican House and Senate were going to take away the Affordable Care Act, so we were signing up in droves to demonstrate that it needs to stay.
When your work provides health insurance for you, at any level, then there is a disconnect with what the Affordable Care Act has done. Let me put it to you by the numbers after I state something clearly:
I had to go to the Marketplace.gov site this year to try and get a premium reduction for my wife because we cannot afford health insurance for her in the private sector any longer and we cannot take on the risk of her not being insured. That is why our family had to go through the federal government – because they designed it that way!!!!!!!!!!!!!!!!!!!!!!!!!!
I wanted to go back to her mid twenties to show you all what happened to our premiums, out of pocket levels, and deductibles but I don’t have the information any longer.
Here is what I do have, her private BCBS of MS policy was raising from $368 a month ($500 deductible, $1,500 max out of pocket, with $30 copays for doc visits and an Rx pricing plan) to $425 a month this coming year. We were already having trouble paying the $368, plus she had a surgery this past year so we maxed out all the other areas too.
I looked into medishare and private insurance from other carriers but guess what? They are all the same because the government has taken over healthcare and has mandated what the minimum premiums and coverage amounts will be for the three different plan levels. Health insurance companies cannot offer us anything else even if they want to!!!!
Now for the real kicker – health care is a privilege and not a right.
The government needs to get its hands out of regulating the healthcare industry in any shape fashion or form and leave the private sector alone.
And how many of you are actually pleased with the level of care you have been getting? At what point do we realize that we all die and that doctor’s are no different than an automechanic. Both use the same methods to trouble-shoot what is going on in order to isolate the problem and try to fix it. We have put way more trust into these people than what is merited. They do amazing work, but not all of them. For example, a doctor misdiagnosed my wife while she was pregnant with just having a viral infection when in fact she had a urinary tract infection that had spread to her kidneys. The infection could have killed her and the baby.
My rant is complete.
Now for the naysayers who are like, “What about chemo therapy for your family members that have passed on, and all the children’s care for your special needs son, and being able to cast your son’s broken arm?” Are you saying that you don’t want those things or that they shouldn’t be provided since you cannot afford them?
Yes I am. I live in a society that gives me the opportunity to take advantage of these things, but if it goes away because we as a nation cannot support it then I am 100% okay with that. Me and my family will make do and die just like everyone in other countries where they do not even have access to basic healthcare, sanitary living conditions, or any skilled doctors.
I am delusional. Let me have my ideal pain and suffering and then point your finger in my face when I cry out asking for help and scream at me, “I told you so!”.