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View Diary: Yes, the Affordable Care Act—aka Obamacare—is affordable (42 comments)

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  •  Going beyong focus on premiums (1+ / 0-)
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    ChuckChuckerson

    Some here are pointing out that "affordable" becomes far less so if we focus on overall costs apart from premiums. This is true; someone may have a low monthly payment but if they are in a bronze plan there are co-pays but above all, a deductible that is more than $6000.

    Having said that ...imagine a $6000 cap instead of a "lose everything" open-ended scenario, or one in which the alternative is NO insurance at all. Thinking about this is one way I console myself about the fact that my insurance rates are higher by $150 per month (I am in my 60s). I'm not happy about the possibility that, say, cataract surgery will mean $6000 out of pocket - but so would $100,000 heart surgery if the need should arise.

    Here is another way I console myself, as a devoted believer in universal health care as a basic characteristic of a civilized society. A few years ago I stood in line to sign in for a check-up. I overheard the woman in front of me conversing with the check-in staffer; the woman had a suspicious lump in her breast, and asked for a mammogram. The staffer started processing her request for an appointment and asked her what kind of insurance she had. The woman answered that she was uninsured, and after a brief discussion of costs, ultimately she went away with no appointment. I was horrified to think that this woman would now go off and possibly face breast cancer that might have been prevented or caught early; it made me ashamed.

    The ACA has fixed that situation. It has imperfections, to be sure, mainly due to the compromises demanded by those who'd just as soon have the uninsured woman go off and die, but I will gladly pay my extra $150 knowing that that shameful episode in my doctor's office won't be repeated.

    Ginny

    Ginny Mayer, Ph.D. Democrat CA State Senate Candidate - SD-35 (Orange County)

    by Ginny Mayer on Wed Jun 18, 2014 at 11:36:44 AM PDT

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