Sunday, October 20, 2013

Random Thoughts: Affordable Care Act and etc

What I heard from media and government propaganda about the Affordable Care Act, was that it "will reduce the cost of medical care" when the 50 million (16.9% of the population) uninsured are enrolled in medical issuance,  which made sense to me. So I am not opposed to the new law.

However, what is not publicized is the cost to the 83.1% insured people. I got the cold truth today when I enrolled for my 2014 benefits - my deductible jumped by 20% and my premium increased by the same amount. I had not had deductible change for some time, and the premium is much larger that the increase from 2012 to 2013. According to USA Today, a family had their medical insurance from Dallas public school increased by 30% for the cheapest plan available. Their medical insurance cost was nearly 20% of the employee's pay!

Even though I still see the benefit of forcing everyone to have medical insurance, I am not mad any more at the extremists in congress who caused recent government shutdown in the name of defunct the law.

For a difficult change such as this health carer reform, the government should have provided a full picture of the consequence of the change, letting citizens know the long term benefits the change will bring as well as pains associated with it. Otherwise when it hurts, those who might be able to tolerate the pain if they knew that it was coming, will not tolerate the pain, and become an opponent of the change. With mounting glitches in the new system, and acute pains to some in the 83.1% of the insured, the opposition to the affordable care act will grow - this time it will not only be those who oppose it for ideological reasons, but also those for economical reasons such as those like the aforementioned family in the USA Today's story.

At the open enrollment time, we should have positive answers to the following questions:

1) do you have your annual physical exams?
2) do you have your teeth cleaned twice a year?
3) do you have eye exam at least every two years?
3) do you buy life insurance to protect yourself and your family?

Take action to protect yourself and your family!!





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