?

Log in

No account? Create an account

Previous Entry | Next Entry

The Affordable Care Act is not affordable

When I informed a friend of mine of the coming deadline to start signing up for some kind of health insurance, and gave her a link to the one that HealthCare.gov referred me to for her, she told me after reading through it and other things that she can't afford it. Because the only options are either:

1. Paying a monthly premium. Which requires money. She doesn't have a job, despite a LOT of looking for years. So she can't afford that option.

2. Paying a very high copay every time she goes to the doctor, which she also cannot afford.

And this kind of thing is why I've said all along that the ACA should be repealed and the original draft re-entered and voted upon, because after the Republican bastards had their way with the ACA, it looked nothing like Obama's original plan. It is such a fucking mockery of its former self that I am astonished Obama actually seems to take pride in passing it.

Under the original draft, the ACA would have given us a single-payer, tax-funded public healthcare system like Canada and the UK have. But under the draft that got passed, such is not the case. What we got instead is a law requiring the purchase of some sort of health insurance. And while insurance companies are no longer allowed to deny anyone health insurance, they can still charge three times or more the usual premium for people with pre-existing conditions. And now come to find out that even the options marketed to the poor are not affordable to everyone.

Oh, and she pointed out that requiring someone to purchase anything is unconstitutional. I don't know if that applies to car insurance too, but since you don't have to have car insurance if you don't have a car, I guess they squeak by under that technicality. But yeah, saying "Health insurance is good for you. You are now required to buy it." is highly unconstitutional. I do so hope that somebody challenges that in the Supreme Court.

Seriously, I was all for the ACA when it was first proposed. But ever since the Republicans basically fucked it over seventeen ways from Sunday, I have hated it. Because now the only way my friend is going to be able to get actually affordable health insurance is if she qualifies for the same state program I'm on, that pays my Medicare premium for me. Otherwise there's no effing way she can afford it.

This was cross-posted from http://fayanora.dreamwidth.org/1223910.html
You can comment either here or there.

Tags:

Comments

( 9 comments — Leave a comment )
alex_antonin
Mar. 30th, 2014 06:21 am (UTC)
I have to say, it was a clever move on the part of the Republicans. They hated Obama, but most of the liberals loved him. So they took his pride and joy, forced him to turn it into an abomination of its former glory, and now they've turned what should have been the best thing the poor have seen in decades into the worst thing they've seen in ages, making them hate Obama when it was the Republicans who fucked it up. (Though Obama DID green-light this piece of shit.) And now the only liberals who still love the ACA are the ones who are too privileged and/or too stupid to realize what a pile of horse shit it's been made into.
acelightning
Mar. 30th, 2014 07:56 am (UTC)
I was under the impression that if someone's entire income is from public assistance (e.g, welfare), they are usually automatically eligible for Medicaid, which, like Medicare, fulfills the necessity of having some sort of health coverage. (I'm on Medicare, because I'm old, and thererfore I am very specifically not required to purchase any other form of health insurance.)

Edited at 2014-03-30 07:58 am (UTC)
fayanora
Mar. 30th, 2014 12:42 pm (UTC)
The only welfare she's on is food stamps.
acelightning
Mar. 30th, 2014 11:33 pm (UTC)
What does she live on, then?

She should apply for Medicaid. Eligibility is based on income, and if she doesn't have any, and hasn't for a long time, she might well qualify. Which would make her exempt from the "must buy health insurance" proviso.

Personally, I don't understand "health insurance" to begin with. It's like a protection racket: "Nice body you got there. Be a pity if somethin' would, y'know, happen to it..." Health care should be like any other kind of emergency protection: you need help, you call upon the appropriate professionals, and they take care of the problem for you. You don't have to pay the police directly to come arrest a burglar - it comes out of the government's general revenue. Health care ought to be the same; you get sick or injured, you go see a doctor, zie fixes you up, and the gummint pays zem. It works just fine in civilized countries like Canada and Germany and Australia...


fayanora
Mar. 31st, 2014 01:09 am (UTC)
She lives on my charity mostly. And busks. She gives me money when she can.

Personally, I don't understand "health insurance" to begin with. It's like a protection racket: "Nice body you got there. Be a pity if somethin' would, y'know, happen to it..."

I feel the same way. Health care should be free. On my scifi planet Traipah, health care is free without taxes.* People just value doctors and healers so much that they donate money, goods, and services to them. The people who become doctors don't do it for the money, they do it to help people and for the social status. The people of Traipah would be absolutely appalled by our barbaric system; at least as appalled as Dr. Leonard McCoy would be at medieval "medicine."

* Traipah has no government per se. Okay, you could make an argument for there being local governments, but the decisions of those pseduo-governments are mostly "enforced" by social pressure rather than force, and the system is such that no matter what the masses decide, everyone's viewpoint is still considered. For a lot of things, if someone wants to go against the grain of society, they go by the rule "if it's not hurting anyone, then whatever, man." But social pressure is powerful enough there that it ensures things like transparency from Orders and Guilds (their version of Non-profit organizations and For-profit organizations, respectively.) Also they teach certain values in school like fairness, compassion, the evils of selfishness and greed, etc etc., so that it produces adults that actively do good. (Also their definition of "profit" barely covers individuals and short-term stuff at all, and mostly focuses on long-term viewpoints and what profits everyone on the planet now and in the future.)

Basically, if reincarnation is real, which I believe it is, and Traipah is real, which I believe it is (infinite possibilities, etc etc), then Traipah is where I want to reincarnate to after I die. The planet itself may be hot and trying to kill you all the time (like Australia), but the people are much nicer.
acelightning
Mar. 31st, 2014 04:30 am (UTC)
She, or you, should find out exactly what the parameters for Medicaid are in your municipality. She might just be eligible after all.
fayanora
Mar. 30th, 2014 03:31 pm (UTC)
Just putting this here. It's from the Dreamwidth version of the post.

Fascination said: I agree, the ACA as it is is... not that affordable to a lot of people. Whilst some bits about it are better than the old system there is still the matter of having to personally *buy* insurance as opposed to having it provided to everyone. I think people who can't afford it at all are exempt from being penalised for it, but.

I think they argued that it was like a tax, as you're paying for services you'd *eventually* need.


To which I replied: That argument is completely moronic. It'd be like forcing people to buy funeral insurance because they will die someday and somebody has to pay for it, so why not you?
kengr
Mar. 31st, 2014 02:28 am (UTC)
The "unconstitutional" argument has been made AND LOST before the US Supreme Court.

And thne reason for it in the first place is that with the new rules that say the insurance companies can't turn you down for "pre-existing conditions" healthy people wouldn't bother getting insurance until they had something that needed to be treated.

That'd bankrupt the insurance companies. The way *any* sort of insurance works is that the payouts to the folks with claims come out of the premiums paid by the rest of the folks with that sort of insurance.

If you want the "must accept folks regardless of health" bit, then you *must* have the "everyone is required to have insurance" bit. No alternative. The money to pay for thing comes from having a big enough pool, the majority of whom *don't* need treatment at the moment.

And the bigger the pool, the cheaper it gets *because* most of the people don't need payouts.

It also helps that getting regular *preventative* care is far cheaper than paying for the results of *not* getting that care.
kengr
Mar. 31st, 2014 02:32 am (UTC)
As I've said *several* times, go to the CoverOregon site

https://www.coveroregon.com/agent/find?zipCode=97218

( 9 comments — Leave a comment )

Profile

mourning
fayanora
The Djao'Mor'Terra Collective
Fayanora's Web Site

Latest Month

October 2019
S M T W T F S
  12345
6789101112
13141516171819
20212223242526
2728293031  

Tags

Powered by LiveJournal.com
Designed by Taichi Kaminogoya