I just came from turning in my insurance forms this this coming year. Once again I cannot afford to add my family to my employer provided coverage.
And, because my employer follows the law and offers coverage, I cannot qualify for subsidies in the ACA exchanges. So we can’t afford to insure our family there. Luckily I don’t make a lot of money, so my kids qualify for the CHIP program here in Texas. And we are Christians so my wife can get covered through one of those Christian Co-Ops. So we won’t get fined/taxed/penalized for not having coverage we simply cannot afford. I had to swallow my pride and take a government hand out so my children could have health coverage, because I simply could not afford it under the Affordable Care Act.
I don’t blame my employer. They offer very good insurance, and they pay about $6000.00 for my coverage. But if I want to add my wife to that same plan, then I must pay over $500 per month. If I wanted to add my children, the price would inflate to over $900 per month. I don’t know a lot of middle class families that could afford to lose over $10,800 annually.
Years ago, before the ACA was passed, I was self employed, and I had a plan I liked. My family was well covered with supplements and major medical. Then the ACA went into effect, and I got a letter saying that my plan was no longer offered, and I would have to shift to a different plan for a 300% increase in premiums. It had been more economical and effective to have a major medical plan with supplemental plans to cover us for basic services. In the new post-ACA world, I must spend more for less coverage.
That continues to be the case today.
I often see friends complaining online about how much their premiums are going up. I hear on the news about Healthcare Exchanges that are going out of business. Healthcare is not getting better.
I know that something had to be done. There were real issues with the old insurance/healthcare system, things that needed to be addressed. But this ACA is a horrible replacement for what we had before. I don’t know one single person who has better coverage for less money. From what I’ve experienced and heard, if you had insurance before the ACA kicked in, you are less happy with your coverage now.
Occasionally I will hear people saying that since the ACA has been passed, and some people who did not have coverage before now have it, you can’t take it away. Why not? The government took away my coverage and forced me to find an alternate/ worse plan. The current system under the ACA is not working. Exchanges are crashing, and costs are rising on plans that offer less coverage for more Americans. What we have now cannot continue for much longer. Something has to be done, sooner rather than later.
And no one with the power to do anything seems to care. Oh sure, there have been bunches of show votes where Republicans tried to “repeal” the ACA,but that did exactly jack squat for my family, and everyone else adversely effected by the ACA rules. Democrats seem to be afraid to criticize the President’s signature legislation, even though there are obvious problems with it. In many ways middle class Americans are worse off now than before, regarding insurance.
Our elected representatives are more interested in talking about how they care than doing something that actually helps us. This will be a big concern for me in the upcoming elections. I don’t want to hear a Republican say they will repeal the ACA, I want to hear them say what they will do to replace it. I want to know how they will help my family have better coverage for an amount we can afford.