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View Diary: You may want your Employer to Drop Subsidizing your Insurance (76 comments)

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  •  I appreciate your apology. (1+ / 0-)
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    It was in part the suggestion that I wasn't able to make the calculations which I found condescending. But also, within the bounds of the dialogue we were having, I found it patronizing that you would insist that I was wrong about the judgment I was placing on my own anticipated experience with the ACA.

    I lost my job due to my serious illness just over 2.5 years ago, and with it my family's paid health insurance. We have been struggling for months as a result of a precipitous drop in household income, a similarly dramatic increase in medical expenses, and the need to pay $18,000/year for insurance for a family of three (until I qualified for Medicare). When all this started, we were yearning for January 2014 in the hope that at least some of this burden would be lifted. Unfortunately for us, it does not appear that it will be. This is not a miscalculation or a misreading on my part; I've been following carefully and I haven't seen anything to indicate I'm wrong.

    Now, the hypothetical family that is used here to illustrate the ACA design flaws may well wind up $1500/year ahead of the game if the dependents get coverage on the exchange while the employee retains employer-sponsored health care. But I'm pretty confident that anyone in this situation would be frustrated that more relief is still so far away, when by rights it shouldn't be.

    Yes, of course it will be helpful to all of us if the ACA also helps slow the insurance cost increases. I don't think I'm unusual, however, in looking at today's bills before I look at those a few years down the road. As you note, so many of us are already suffering; promising help at some later point doesn't often provide much comfort.

    Will problems like these under discussion here be enough to advance the cause for Medicare for All? Maybe. Time will tell.

    It is good to see that you are active with the effort to enroll people in programs available for the poor and uninsured in Texas. I salute your service. The final decision has not been made in my state, and there is some chance it will go in the right direction here. In any case, I hope that the backlash against the politicians who are willing to sacrifice people's lives for ideology will be fast and severe. But time will tell that too.


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    by peregrine kate on Tue Aug 20, 2013 at 06:54:46 PM PDT

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    •  I am sorry to hear that (1+ / 0-)
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      peregrine kate

      and I feel your pain.  Really I do.  I've been laid off before and I was sole insurance in my family (my husband was a self-employed musician).  Although, unlike you, I didn't have any medical needs, which was divine luck.  I worried about it constantly.  This was many years ago now.  

      However, my own parents, 86 and 84, spend $6,000 of their own money each month on his nursing home expenses.  At this rate, their savings will run out when they are 99 and 97.  They may die before that happens but my mother frets about it each and everyday and lives like a hermit.  For people born during the depression who spent their lives working and saving just to see it all go this way is tragic.  

      Our healthcare system is broken and I think about it constantly.  ACA is the only thing we have to latch onto at the moment and I have to go for it to alleviate the suffering and injustice I see until something better comes along.  

      We are all in this together.

      by htowngenie on Tue Aug 20, 2013 at 07:09:13 PM PDT

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