A quick addendum to an earlier post.
I’m one of many Americans who is glad the Trump/Ryan American Health Care Act (AHCA or TrumpCare) failed to come to a vote. I didn’t think it was in the best interest for people like me and I really believe it would be catastrophic for folks in lower income situations who are struggling to afford health care.
Recently, I’ve come to realize that the people who support a repeal of the Affordable Care Act (ACA or ObamaCare) are those who don’t benefit from it. These are people with decent incomes who, most likely, get health insurance from their employers. In their mind, they shouldn’t be “subsidizing” health care for those who don’t get it from their employers — mostly because they think these people are unemployed or otherwise sponging off the system.
That isn’t true. Millions of people who benefit from the ACA are hardworking people who don’t have insurance benefits through an employer — including self-employed individuals like me.
While people who work for big companies can get health insurance as easily as filling out a form and handing it in to their employer’s Human Resources department, the rest of us have to literally shop for insurance to find policies that meet our needs with a premium we can afford. Then we have to fill out forms and submit them for approval. In the old days, we might have to connect insurance companies with our doctors so they could look through health records. That’s how I got denied insurance coverage for a “pre-existing condition” that didn’t exist, as I blogged last week.
The ACA made it easier to shop for insurance by setting up a marketplace. It prevented insurers from denying coverage or setting unreasonable rates for people with pre-existing conditions. It required insurers to provide a list of basic coverages that a person might need. It covered, at no additional cost to insured people, annual well-care visits to help prevent illnesses or to catch them before they became serious problems. It required more employers to offer health care benefits to employees. It encouraged everyone to get health insurance coverage to increase the pool of insured individuals, thus reducing the overall cost of coverage for each of us. It prevented insurers from taking obscene profits on healthcare coverage by setting maximum profit levels that actually refunded premiums to customers. These are all benefits that help those of us who don’t work for big companies that offer health insurance in a benefits package.
The people who think the provisions of the ACA aren’t needed are either mistaken, ignorant, or just plain selfish.
Why should only those people who sign up with a big employer get affordable health care insurance? Why shouldn’t small business owners like me be able to get it? Why shouldn’t the 58-year-old former banker with a BBA who’s lucky to have a part-time job as an aircraft refueler at the local airport be able to get it? Why shouldn’t the single mother cleaning offices on the night shift be able to get it?
What pissed me off this morning was a Trump supporter named Linda Caudill who, when interviewed by NPR, said:
Frankly, health care is not a constitutional right. But I really would like personally that government get our of health care altogether and let the free market take care of it.
Wow. Just wow.
Health care might not be a “constitutional right,” but isn’t it a human right? Shouldn’t we all be able to get the care we need to stay healthy, productive, and happy?
Life, liberty, and the pursuit of happiness isn’t in the Constitution either, but our country’s existence was based on those “unalienable rights” for all of us. Isn’t the ability to get affordable health care part of this?
I’d love to hear how this woman’s song would change if she or her husband suddenly lost the job that’s obviously providing them with the health care they need. No one in the middle class who has to buy health insurance on the open market would share her point of view. No one.
What these people need is a dose of reality. How about a health care plan that does not allow employers to offer health insurance plans? One that forces everyone to be on the same playing field, buying insurance on the open market. Then we’ll see how Trump supporters feel about “free market” insurance.
Until then, I’m glad the ACA has survived to help me get the insurance I need for my health and and peace of mind.