The Affordable Care Act-I wish someone would explain this to me.

credit: men's health

credit: men’s health

“What’s this Obamacare thing?  Shouldn’t everyone have healthcare?”

Those two questions seem related.  They look related from here, until you realize that The ACA is not all about healthcare.  The hospitals and doctors and nurses have more paperwork, monitored by the government, but no more care than is already available is provided.  This isn’t something where you sign up for Obamacare and get to go to the doctor at no charge.

For my house, here’s how it works.

Before the ACA, we did not get health insurance, because we could not afford it.  The three to five hundred dollars a month out of my wife’s paycheck in trade for coverage “just in case” just did not make sense.  We scrape by financially, as it is, and the cost just didn’t make sense.

With the ACA, we are legally required to get health insurance.  The cost has gone up, both on a monthly and copay basis.  The income we had… is the income we have.  If we do not buy this insurance, we will face a large tax, which we also cannot afford to pay.  We will have insurance, though, that we cannot afford monthly, and we won’t be able to afford the copay either, so it will go unused.

I guess the provision requiring that prior conditions be covered is good and all, but I don’t understand how that helps us if we can’t afford to go to the doctor to get the treatment because we have spent our money on insurance that theoretically reduces the cost of going to the doctor and getting treatment.

Before the ACA came into being, if we had an emergency, we went to the ER, had it fixed, and paid them back as we could.  If we needed to go to the doctor for an antibiotic or something, we went to a place with a “sliding scale” that asked us to pay an amount based on income.  We had healthcare, and if someone needed an appendectomy or something, well, we’d have to pay as we could.

Now, anything that happens, we will have to go to the ER-because they don’t ask to be paid up front.  If they change that particular policy, then we will not be able to afford to go.  Simple.

Anybody know where I can get some books on “At home surgery”?  I think I need to start studying…  The price has to be low, of course, our money is already going to ‘affordable’ health insurance.




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One response to “The Affordable Care Act-I wish someone would explain this to me.

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