This Obamacare thing gets more confusing all the time. Now a story I read said that in some states that have opted out of Obamacare the working poor are caught, well just like they always are, with too much income to get help and not enough to purchase health insurance on the open market.
I had thought that although the Supreme Court had ruled that states could opt out, the federal government would somehow step in with expanded Medicaid offerings, but I guess if the state’s refuse that does not happen.
It’s really all very confusing. It’s like the message one Obama disliker acquaintance of mine (hate is an ugly word) sent me that showed Nancy Pelosi’s famous “we have to pass it to see what’s in it…” line concerning the Obamacare legislation and a doctor’s purported retort: “that’s the definition of a stool sample”.
I have been trying my darndest to give Obamacare the benefit of the doubt — but I’m having doubts.
However, I am pretty certain there are bogus or misleading stories galore about people losing health care coverage over it, well, even though President Obama now has apologized to any who have actually lost coverage, being as he spent a whole campaign promising that no one would. Starting his presidency with apologizing to the world for George W. Bush (and others) and now this, he may go down in history as the “Grand Apologizer”. And I really want to like him.
A long time ago I promised to read up on Obamacare. I failed in that. I am not going to apologize, though. I mean if those who passed it into law don’t understand it, I doubt I could.
There are some big positives in Obamacare, such eliminating exclusion of coverage based on pre-existing conditions.
And this law, this new way of doing health care coverage may well work out, but it is not having an easy run of it in the early going…
What follows is my previous post on health insurance:
Talking about health insurance, here’s one down and dirty:
For the second time in my life I face this dilemma:
I’m having to take some time off work due to health reasons. Problem is, my health insurance is tied to my job. I pay part of the monthly premium and my employer pays the rest. But if I can’t work my employer will drop my insurance because I will not be contributing anything from my paycheck, which I won’t be getting because I am not working. I can elect to pay the full premium myself but how am I going to afford to do that if I have no income, save for a woefully minimal one I might get on state disability (where I live, California, at least we do have disability insurance)?
Once before I was faced with this. But at that time I was in a job where my employer paid all the premium and continued to do so for more than a year that I was off work (that is not usually the case, though). Eventually, though, I was faced with the same dilemma I am faced with today. But as you can see, I survived. It helps to have family, and it helps to be on good terms with them.
Now don’t worry about me. I’m just using this as an example as to what is usually the case. I mean you have insurance through your job but when you need it because your are sick or injured and cannot work, you lose it, or are liable to, because now that you are not working you can’t afford to pay the premiums.
(And I am not addressing on-the-job injuries and worker’s comp. That is another issue.)
Having your health insurance tied to your employment is absurd, especially these days when so much employment is precarious due to the economy and all the constant changes and upheaval brought on by globalization.
To me, that’s a good argument for single-payer government health care. Of course it would not be free. It never is. But all of us pooling together and guaranteeing each other permanent coverage no matter what our current employment status is would seem to be far more practical. Oh, yeah, no one wants to government to run his or her health care because you can’t make our own decisions and government is not efficient. Well how many decisions do you make now? The private insurance companies make the decisions even more so than the medical professionals. And private insurance has to make a profit so it has to charge a lot more.
And all of this is not about Obamacare. I don’t know what to think of that. It may be a step in the right direction, albeit a clumsy one so far.
Personally I am not in any kind of crisis now. I was just using my own plight to make an argument or comment. I don’t want to go into my personal situation any further, other than to say I am still covered and have options.
From what few comments I have heard from just regular people, one of their main objections to Obamacare or any attempt at government health care is centered around having to pay for those who refuse to work but yet expect the government, and thereby the taxpayers, the working people, to pay for them.
Well here’s the deal. There will always be freeloaders and cheats regardless of the system. We need to strictly enforce eligibility standards. No able-bodied person who simply declines to work should get full coverage. We are always going to provide emergency coverage because that is our moral imperative.
We will likely have to let Obamacare play out. If the Obama administration does not get its act together it might die, but it can likely be made to work. But this deal of having your health insurance tied to your job is silly. I am surprised employers are not more in favor of unburdening themselves from it.
Hey, good health.