Thursday, October 17, 2013

ObamaCare: We're from the government and we're here to help, whether you want it or not.

Over the past couple of weeks, we have all read stories of people who've compared their current health insurance costs to that of the government required ObamaCare. Very few, so far, have anything good to say about the outcome. Nearly everyone finds they will be paying far more in premiums than currently, and the deductibles are unbelievably high, so high that very few people will be able to afford surviving an illness or injury.

In my hometown paper, The Auburn Journal, one reader, Teresa Powell, did her homework even including the government subsidy in her results. Under ObamaCare, Teresa and her family will actually save money with both the Bronze and Gold policies. But, that doesn't matter to Teresa who would prefer to keep what she already has. Why? I'll let Teresa explain in her Letter to the Editor:
I want to chime in on the Affordable Care Act. I have my own insurance policy covering my family and we pay the cost out-of-pocket. We currently pay $658 per month for the three of us and before the health care law went into effect, we were scheduled for an increase on Jan. 1, 2014 to $681 per month.
I now have been informed by my carrier that I cannot keep my current coverage. That policy will be terminated at the end of the year. President Obama promised us that if we liked our current coverage, we could keep it. My carrier can offer me a comparable policy, which is in line with the Affordable Care Act regulations, but this policy will cost me $1,175.38 per month. This is an increase in our premiums of $517.38 per month. This is an increase that we cannot afford within our budget.
I did use the calculator under Covered California to compare the “Bronze” policy, which runs $1,530 per month, and the “Gold” policy, which runs $1,599 per month. These policies have even higher premiums than the policy my carrier is proposing at $1,175.38 per month.
The “Bronze” policy is closest to my current policy, but actually increases the deductible and the amounts we will have to pay for co-pays. The “Gold” policy is slightly better than my current policy.
Here’s the kicker. The taxpayers will pay $943 per month on either policy I may choose, reducing the cost of the “Bronze” policy to $587 per month, and the “Gold” policy to $656 per month. The result to me is a $94 per month savings on the “Bronze” and a $25 per month savings on the “Gold” when compared to the $681 I would have been paying without the interference of the reform program. I would much prefer to pay the $681 out-of-pocket under my current policy and save the taxpayers the $943 per month ($11,316 annually).
I feel that we are being forced to go on government aid. How is that a good thing? I don’t want to receive a government benefit of $11,316 per year, but feel my only other option is to pay the annual penalty and go uninsured since I cannot afford to continue on a personal policy at $1,175.38 per month.
I like my current policy and would like to keep it, as I was promised by President Obama. He has just made it so that I cannot afford to keep it. This is an Un-Affordable Care Act.
Though Teresa will, by her own acknowledgement, benefit from an ultimately better financial deal for herself and her family by saving her $94/mth on the Bronze plan or $24/mth on the Gold plan, Teresa simply does not want a government subsidy and says so plainly, "I don’t want to receive a government benefit of $11,316 per year..." Liberals just don't get that part, because they know what's best for everyone.

Minus the math, I made this same argument to my older brother while he was trying to strong arm me into supporting ObamaCare before the ACA had been voted in to law. A cowardly Liberal, my brother just couldn't understand when I said, "I don't want it." He would say, "But, it will be good for you and we love you and want what's best for you." Said I, "I still don't want it because it's being forced on the citizens of this nation and I don't like it. And I don't like being bullied." Well, he voted for Obama* and ObamaCare while I voted for Romney. I'm still here in America, and he moved to Chile.

To paraphrase Pres. Ronald Reagan, "We're from the government, and we're here to help, whether you want it or not."

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