Barack Obama
In reply to the discussion: It was true then, It is true today. [View all]Honeycombe8
(37,648 posts)This discussion is about what the ACA accomplished in our insurance-driven system.
Is it perfect? Absolutely not. No legislative bill is perfect. But it is helping millions of people who didn't have access to health care before.
If you don't care about your co-citizens getting health care, I wonder why you're so concerned about a health care system at all. If all that matters to you is if you have health care, and you have it, then you should be happy.
As for bankruptcies, in the U.S. a debtor cannot get care provider bills done away with in bankrtupcy. That law was passed not too long ago. Joe Biden voted for it or actually introduced the bill, as I recall. A very disturbing chapter in Biden's history (altho I otherwise love the guy). Very unfair and harmful to millions of people, who will be saddled with debt the rest of their lives due to one illness....until the ACA passed. The ACA requires NO LIFETIME CAP on coverage. It also does not allow rejection based on a pre-existing condition. It also doesn't allow dropping an insured because he files a claim. It also provides subsidies for policies, if you meet the criteria. It also expands Medicaid into the working poor class.
When you have a policy, now...you know how much out of pocket you will have for an entire year, up front. There should not be many surprises, like before. And the policy won't drop you...so you'll have that same policy the next year.
If you live in a state with exchanges, you will have a FEDERAL policy in your choices, is what I've read. But you will have an array of policies to choose from. I'm not in a state that will have exchanges, but I get my ins. through my employer, like most middle class people.
I hope I can hang in there until I qualify for Medicare at age 65.
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