Whenever he has been promoting Obamacare, President Obama has always said, “If you like your current plan, you can keep it.” Under my current health care plan, I pay a premium that I can afford and now, because that plan doesn’t qualify for the minimum coverage required by Obamacare, my insurance company sent me a letter saying that they are ending that plan. That is not fair, it makes me sick to think I supported Obamacare…though unfortunately my current plan won’t cover that.
I happen to like my existing plan and the current regulations. Okay, it has a $10,000 deductible, only provides co-pays of 60% after I’ve paid out that $10,000, and allows my insurance company to stick me with the entire bill for a major health problem by finding a way to link it to a pre-existing condition…but at least I can afford it!
Some people have asked me, why would I want to keep a health insurance plan that provides little to no benefits to me and if ever needed, could evade covering me and bankrupt me and I explain to them, “It was a bargain!”
When it comes to health care plans, some people are focused on coverage and others are focused on price. For me, it’s always been price. I bought my home insurance policy with a $300,000 deductible that only covers damage and liability from a dinosaur stampede. Why? Because it was the best price.
Next thing you know, the government will prevent me from continuing my Alien Death Ray Life Insurance policy which is incredibly affordable and protects my family’s finances in case I am shot and killed by an alien death ray.
This is America, I should be free to have whatever health insurance plan I want whether or not it provides me with any actual benefits. It’s my money and if I want to spend it on a policy that won’t cover a $5,000 bill for an emergency room visit so I have to walk out on it and force the rest of you to pay for it through premium increases, I should have the right to infringe on others’ rights!
Why should government be able to insist on minimum standards for health insurance? Just to make sure that people receive a necessary baseline of care? I don’t buy it. At least I haven’t bought that before and I’m afraid to start now.
Look, we all know how important it is to have health insurance. What we don’t agree on is whether that insurance should provide any benefits in return. I’m just content knowing I have health insurance, I’m not one of those nitpickers who insist that it has to cover their medical expenses. If I was a soldier, I’d just be content having a rifle as I went into battle, I wouldn’t make myself crazy worrying about whether or not I had any bullets.
The main cause for bankruptcies in the US is due to health care debts. Has Obama or any of his Admin considered how hard the economy would be hit by an avalanche of unemployment in the bankruptcy attorney sector? Of course not.
Or have they considered the cost to society of healthier citizens? The longer lines at Jamba Juice and more senior citizens at the park in spandex? Is that a future we really want to see?
Some people say, “You’ll get back the extra amount you pay in premiums and far more than that through better coverage and benefits.” To them I say, “If I wanted better coverage and benefits, do you think I would have been paying for an individual health insurance plan in the first place?”
Why should I have to look at the big picture to see savings? Really? I have to think about how much less I’d spend over a year with an Obamacare policy instead of just looking in the short term at my monthly premium bill? Hey, I don’t have to look long term to come to the most sensible conclusions, I’m an American!
Even so…in this increasingly tyrannical government, I suppose I have no choice but to pay more for health insurance than I was paying just to get it to provide me with something in return.
Okay, I’ll pay it but when I’m lying in the hospital racking up a $130,000 bill, knowing my insurance company is suffering from a pre-existing condition of responsibility for paying it, all I’ll be able to think about is the poor care they’re getting for my money and what a rip off it is that I’ll have to pay them $50 dollars more next month than I used to pay.