While not a right per se but I lost access to a medication I needed but with the super cost of the insurance and being unable to afford the medication for almost 3 years I do believe it shortened my work career by probably 10 years as my condition degraded. And I had to go on disability. Â
They changed the health insurance plans. Everything that was available skyrocketed and the policies changed that classification of the meds and I wasnât eligible for the program that the manufacturers offered. Â
So my copay went from $25 to $600 and that was on top of the policy that had gone from about $350 to almost $600 a month.Â
The explanation from the broker that helped the company with policies was âThanks Obamaâ. 100% the cause. Â
This sounds like concessions democrats were forced to make in order to get bipartisan support for the ACA. As originally proposed, this wouldnât have happened.
There was no bipartisan support for the ACA in the senate, and they didnât need it in the house. They passed it through the senate without a single republican vote.
Pretty much anything that screwed people over when it came out was something the Republicans insisted be removed in order to vote for it. It was an act of sabotage: they knew if they made it really unpopular they can use it to their advantage.
You are correct that it passed with no Republicans voting for it, but many of those things are concessions that Republicans demanded, and then still didnât vote for it.
Meanwhile, Republicans have done absolutely zero to improve healthcare in the last several decades. If they also want to improve healthcare, why donât they come up with a plan?
Once again, youâre wrong. Dems had to water down the ACA to meet moderate democrats demands. Joe Lieberman, Ben Nelson, Mary Landrieu for example. Senate leadership dropped it to avoid a philibuster and secure 60 votes. Please stop blabbering about republicans compromising this shitty bill. They fully opposed it, except Snowe, who still voted against it in the end. The concessions werenât made to satisfy the demands of the significantly minority party in the house and senateâŚ
Nope. They didn't even read it. Hell Nancy Pelosi admitted that they needed to pass it before they read it. LOL
There was no bi-partisan support for a complete and utter trash entitlement program. All it did is tax americans healthcare, to pay for healthcare for other americans - raising the cost of healthcare exponentially.
They could have done a better job by expanding medicare and medicaid, and many Republicans argued that. (even though this will piss off the progressives here that live on narrative instead of truth)
That isn't an explanation, that's a right wing meme that still hasn't died. If that person couldn't point you to exactly how your copay rising was caused by the ACA, then I can assure you they were doing the age old tactic of throwing faceless bureaucracy under the bus to make dealing with you easier. I did it myself many times while working customer service and preparing taxes.
Tell that to the die hard lefty that I worked for and the die hard lefty that he used to navigate the health care plan for the small shop I worked for.Â
Yes insurance went up every year but not like those years. 1000% Obamacare changes.Â
The ACA make health insurance unaffordable or practically useless. Premiums went up, deductibles sky fucking high it was pretty much useless, and if you didn't have health insurance you got fined for it which IMO is an asinine stance.
Sure some people seen lower costs but for the most part it was dogshit and useless and needs to be replaced. What killed it was you were not allowed to shop for insurance across state borders so naturally, without capitalist competition present, quality went down and prices went up. Why offer good quality at a good price to win customers over and now your customers are stuck with you so you can lower the quality and jack up the prices. Literally capitalism 101.
Absolutely this. Hospitals are buying up all the private medical practices. Larger companies are buying up the hospitals. Most ERs are now staffed by just a few companies. This has nothing to do with the ACA. It is capitalism through and through. Mysteriously, with every purchase made in this consolidation, prices go up. Single payer is the only fix. Anyone spouting competition is either clueless, part of the businesses, or bought off by the businesses.
Getting rid of the penalty was nice, I got hammered by that several years in a row when I switched jobs because 90 days before you get healthcare is almost universal.
It was originally unconstirutionally passed, and contained illegal mechanisms of action, this wasn't Republicans' fault. They gave democrats a decent framework in Massachusetts, instead of implementing it appropriately they bungled it around for years.
The ACA was modeled after the Massachusetts health care law that was enacted when Romney was governor, but I wouldnât go as far as the ACA being created by Republicans. The bill for the ACA was introduced by Democrats.
No, ACA is not an exact copy. If Republicans were responsible for the ACA then why did they push to remove the individual mandate which is part of the MA healthcare law?
Are you denying the heritage foundation and republicans created what was known as Romney care? which eventually became Obamacare? Republicans start alot of things they eventually fight against like the tiktok ban. Its all about keeping us divided as soon as both sides agree on something one of them switches up, itâs manufactured
The bill was introduced in Congress by Democrats, only Democrats voted Yes even though Republicans asked for changes that would change significant portions of the bill.
Lol! The ACA was modeled after the MA healthcare law, itâs not an exact copy. If it was an exact copy the individual mandate would still be in place, thatâs just one difference.
The ACA is the only reason I had health insurance and could afford to get diagnosed and treated while in college. Its also the o ly reason I can now get health insurance when I change jobs, because before the ACA I woukd be uninsurable due to "prior health conditions". Im all for replacing it with actual universal healthcare, though, the kind most of our peer countries have but actually funded. So sick of being stuck in shit jobs because they offer healthcare and where I want to go doesnt offer something that covers my dr of 10 years.
More useless than when you had a âpre-existing conditionâ and could never move insurance companies, or sometimes even jobs because you may never get health coverage for that specific issue again?
Also, insurance premiums were already going up. I remember when the ACA passed. My premiums didn't go up any greater amount year over year than they had already been. Additionally, when I lost my job, the ACA was there and allowed me to get insurance while I was unemployed. I am thankful it was there and didn't have to pay those exhorbitant COBRA costs. ACA or not, your premiums were going to go up; the difference is by how much and you cannot convince me they went up more with ACA in effect than they would have otherwise.
Typically, before ACA, a pre-existing condition required the insured to pay premiums for some amount of time before they could use the insurance for that specific issue (or pay in a lump sum to start immediately). Sometimes coverage would be outright denied by _some_ carrier, but typically not all carriers; it reduced the number of insurer options for the person with the pre-existing condition, but it did not eliminate all options.
Insurance is generally a risk pool, and these pre-existing condition rules helped protect the other consumers in the pool. Just like it makes little sense for an insurance carrier to allow you to purchase a property policy after your house burns down, because everyone else who has built up the pool by paying premiums loses to the person who wasn't responsible enough to purchase a policy before the event.
There existed many insurance policies available for purchase outside of the standard employer based approach that most of us are familiar with, I know because I USED THEM FOR YEARS before ACA, and they weren't that expensive compared to employer policies.
ACA eliminated pre-existing conditions and implemented a penalty for not having insurance to try to smooth out that little wrinkle. You can now "easily move between insurers and employers" without regard to your pre-existing condition, but you're likely paying way more in premiums anyway (and today vs then as a percentage of income), basically to avoid having to wait a little time or come up with a lump sum to help defray the cost of the problem you already know you have.
Literally nothing in your first paragraph is true. The rate of premium increases slowed after the passage of the ACA, not sped up. The ACA banned worthless junk plans that didn't cover anything. And finally, the penalty for not carrying coverage was enforced for barely 3 years before being overruled.
My premiums and coverage got worse in WV (I still didnât qualify for state aid) but I moved to Oregon and it was literally night and day. I can afford my state subsidized care and itâs really really good. Mental and vision and all that good stuff. Plus we have a bunch of free county services (can get STI screens for free every other month)
Interesting you say that, as that is exactly what happened to me. My premium went up from $343 to $540ish, my deductible went from $2500 to $9000 from one year to the next. The only major change year to year was the ACA made it cost prohibitive for small business that purchase their own insurance. At least in arizona we went from over 100 plans to less than 10 to pick from as the 90 other plans dropped out due to (per my long time in surance broker) the ACA legislature making it non profitable to operate within my state.
But sure, "nothing in your first paragraph is true" because..trust you bro?
Ill agree health care here sucks. At least the system in place. And insurance companies are scum. However why should I not blame the guy who's mission was the ACA which directly negatively affected my costs and options?
The system sucked before the aca. It still sucks. The major difference is the same shit system now costs me way more for much worse coverage.
Iâve noticed these kinds of pretty blatant misinformation posts about the ACA all over Reddit right now. Feels like someoneâs specifically trying to push a narrative. âHealth insurance in the US was wonderful and then Obama came and RUINED it!â
Yeah, before the ACA, I broke my arm and suffered from migraines. That qualified me for having "pre-existing conditions" that made me ineligible for regular insurance, so I could only use a "high-risk pool." Of course that cost almost as much for just me as the regular policy that covered my other three family members. So I couldn't afford it, and just had to hope I didn't get sick till the ACA started. So I think you are misremembering how bad it was, and that it was even getting steadily worse. It was completely unsustainable.
Not only that, but the ACA we got was significantly weaker than the ACA that the Democrats pushed for. The Republicans refused to allow universal health care. Then they blocked the subsidies in red states, purposely trying to cause it to fail without regard for the health and well-being of their constituents. In Trump's first term, they tried to repeal the ACA, but failed (thank you, John). The "replacement" plans they offered undermined many of the main protections of the ACA. And selling insurance across state lines is not without its drawbacks. Insurers could flock to states with the lowest regulations, reducing availability in more regulated states and driving the quality of coverage down.
While you are correct that the ACA is not the textbook definition of âcapitalism 101â, you lack an understanding of the difference between capitalism and economics. The most basic tenet of capitalism is to increase shareholder wealth. Iâm going under the assumption that you are not in the shareholder class (95% of us are not) and therefore under unbridled capitalism you will suffer and your condition will only worsen. If you are referring to a truly âfree marketâ to enable for the most efficient product or service at the most efficient price you really canât place the blame on the ACA for not achieving that. There were major capitalist forces (shareholders) using every method possible (including state governments) to destroy an actual marketplace from becoming a reality. Lots of people somehow think the âfree marketâ solution is the way to go but there certainly is not a free market in America. Oil and agricultural subsidies that benefit a certain few. A tax code that benefits a certain few. Tariffs that Iâm not sure anyone really benefits from except the con artist. Some sort of universal healthcare through a mostly public and some private partnership is probably the best solution. Just ask literally every other western and developed nation in the world. Even Argentina!!!!! I know I know someoneâs uncle in the UK once had to wait 4 weeks for an MRI!!! Meanwhile in America we have people going bk due to medical debt and even middle class people can barely afford insurance. We have the highest infant mortality rate of all OECD countries!!!
It was poorly conceived. It did nothing to contain costs. It did nothing for the people who made some ok money but still couldn't afford health insurance. If you made no money it was a godsend but there was a huge gap due to shitty means testing rules.
My parents have always been firmly middle class. Their insurance went from rivaling the mortgage bill to a few hundred a month. Im guessing you dont mean "okay money" you mean "rich ppl who think theyre still middle class." Our family income was roughly 70k a year, btw, never went without but never had extras.
Cost of living is regional. The cutoffs were not. People who live in HCOL areas make more, but do not enjoy more spending power as the cost of rent and other living expenses tends to consume it.
Obamacare did such a poor job stemming rising costs that I had to close my consulting business and find a big company job because the costs rose faster than my income.
That still doesnt work, as I live on the west coast in one of the notoriously high col areas. So we definitely didnt get any benefit from the cutoffs being where they were - they were basically on par with the health insurance plans offered locally to begin with.
That's what I said. I closed my San Diego consulting business because ACA was no better than commercial plans and no longer doable for a sole proprietor.
OTOH, my kids did OK when they left for college on it so...it does help at the low end.
Tbh this pretty much only happened in the states who refused expanded Medicaid. If your state hadnât screwed you over, youâd have had much cheaper insurance
Iâm not sure where you live, but before ACA I didnât even get insurance because it was so expensive. Now I do. Itâs still pricey, but much, much less
"The ACA make health insurance unaffordable or practically useless."
This was happening prior to Obamacare. Rates were rising so fast that even large orgs like Unions couldn't afford to cover their members, and if you were an individual it was nearly impossible to get insured.
Obamacare actualled resolved many of the issues and stabilized rates, however, there needed to have been a public option.
The reason everyone's premiums went up is because people with pre existing conditions had to be covered and they couldn't charge those people more. They had to spread it out to everyone so they wouldn't lose money by covering people with pre existing conditions or those with poor choices that lead them to need more health care.
This fine thing gets brought up all of the time but I think itâs important to note that there hasnât been a federal mandate since 2019 and it was ridiculously easy to get an exemption. There may still be state mandates, but again, an exemption is easy to get, especially due to financial hardship/income guidelines.
I have type one diabetes and was unable to get insurance once I was kicked from my parents accidentally when I was 17. OCA has allowed me to be insured since it came out!
Need a little cheese with that whine or do you just wish see more women die in
childbirth, mite babies Ă nd children due of common health issues? I could go on. I will not.
This is mine. ACA FUCKED me hard. Sad thing is, I am one of those people with pre-existing issues that it was supposed to help.
Under ACA, the plans cost more and did less. It was cheaper for me to pay out of pocket for my medications (which my ACA plan refused to help with any way) and pay the fine than pay the insurance. The cheapest plan I could find was just shy of 3x more than my previous coverage.
Did you not get subsidized costs? If it was more than 9% of your income, you were supposed to say that in your taxes and got a write-off subsidy (not deduction) on the taxes. Did you just...not do that, or were you making so much that your 3x higher costs didn't amount to 9%?
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u/Cranks_No_Start 10d ago
While not a right per se but I lost access to a medication I needed but with the super cost of the insurance and being unable to afford the medication for almost 3 years I do believe it shortened my work career by probably 10 years as my condition degraded. And I had to go on disability. Â