I wrote a post on Facebook about how thankful I am that we finally have access to insurance and not prevented because of preexisting conditions..my friend posted this reply..can you help?

“..I am very thankful that you have insurance….I think we should be able to take care of our people….what I have a problem with is the cost to us…..don’t get me wrong I have many friends who would not have any ins with out it…….its the way it set up I don’t like….When this all started our neighbor was paying 300 a month for her ins….now its 575……thats crazy…..know several others in the same boat…have a couple of friends that are working only to pay for the high insurance and their child care…..others that cant afford it but its eating their tax return……….I also have a friend I just had this conversation with thats from Canada….I asked he how it was set up there…….she lives in Alberta……..all of her family pays 110.00 per year for all their insurance…..medical, rx’s vision…everything is included…..the government picks it up………the difference it their gov is not sending millions of dollars each year to support other countries….I have no problem helping other countries but not until we help our own people……thats my problem with it”


Answer

The ACA gives over 30 million Americans coverage options, lowers costs for the 1 in 2 with preexisting conditions, but increased costs for some who had insurance before. There isn't anything fun about having your costs go up because so many others are getting a better deal, but at the same time even if your costs went up you still have all the new consumer protections. There was no way to know that you wouldn't have been completely bankrupted by the loopholes in the old system, or would have been a victim of junk insurance.

We can't really compare our healthcare system to anyone else's. First off, while it may not be "better" we have "more" healthcare services and technology in the US. We also have a giant healthcare industry, and a for-profit system. That means we need to spend more to sustain it. We could cut costs with a single payer, but i'm not so sure we can use Canada as a measuring stick.

Nothing to console those who have to pay more, and not much to console those who wanted single payer. We can look at the glass half empty or half full. But at the end of the day, what is a more meaningful story

"X person has to pay a little bit more, and that money is hard to come up with (and we are assuming they don't want to claim the affordability exemption and are just slightly over the subsidy limit (this is the only way this scenario really comes into play)."

or "X person can finally get access to healthcare because they aren't prevented from entering the Market due to preexisting conditions (which was what was keeping other people's costs artificially low)"

We say that the person who got coverage is more important and that the person who is paying more should be focusing on being grateful for their fellow Americans while pushing for more legislation and smart ideas that help curb the base healthcare costs for everybody.

Take a quick look through our PPACA summary to get an idea of all the things the law really does. Also you may want to check out our "cost of ObamaCare page" to better understand the ways it curbs long term costs and why that is important.

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