I just completed my open enrollment for next year’s health insurance. My premiums will double each month starting in January, 2020.￼
I am literally back to the pre-Affordable Care Act premiums yet the Affordable Care Act is still in place￼. I don’t live below the poverty line yet I am punished for being solidly middle class and these premiums make you feel like you are dancing on the edge of precipice of ￼living at or below the poverty line, and why? Why does it have to be this way?
I didn’t necessarily wish to embrace the Affordable Care Act at first if I’m completely honest￼. But it did make it much easier as a self paying insured to get insurance that was a bit more affordable for a couple of years.
Prior to the Affordable Care Act, I was self-pay. The reason I was self-pay in corporate America is because my employer at the time was not required by law to offer employees insurance.￼￼￼ Before that job I was always covered under employer plans. Now as a self-employed person I continue to be self-pay. I’m fine with that. But whether you are self-pay or through an employer plan health insurance is crazy expensive. And does it have to be?￼
Now before I became self-pay, the employer plans had already started to slip. We were paying more and getting less. And that has nothing to do with what the employers actually allowed to be covered via the underwriting. It has to do with what the insurance companies gave us out of the generosity of their hearts.￼￼ Their hands are outstretched for premiums, but what about the quid pro quo? Do we fairly and equitably get what we pay for? And what about the medical providers? Have you ever looked at what they actually receive versus what is paid into the insurance companies?￼
We have had a healthcare system in this country that has continually broken down by bits and pieces over the decades because there is one consistency that is never addressed: the insurance companies themselves. There have never been any comprehensive reforms of the insurance companies. Yet corporate executives keep their private jets and other perks, right?
I will pay my insurance premiums. I always do. But I will be forced to economize in other areas. ￼ I have no other option for benefits, so I will make do. I am a rule follower not a rule breaker, but I don’t think the rules are fair and equitable with regard to health insurance in this country or in Pennsylvania.
I don’t cheat at life, I pay my fair share. But when it comes to health insurance in this country I feel like I am cheated at times, don’t you?
As a cancer survivor and still active cancer patient I have paid extraordinary amounts of healthcare related expenses for many years at this point￼. And that is in addition to monthly health insurance premiums. And I’ve paid it all off. It takes time, I have to do payment plans, but I’m not asking for handouts. But year after year when open enrollment rolls around I feel like Sisyphus with the healthcare rock￼ to roll up the damn hill.
I don’t think as Americans we should be punished every open enrollment period for having health insurance. We are told by law we have to have health insurance, I also always had health insurance before it was the law to always have health insurance.
Yet, I look at elected officials on both sides of the aisle fighting about health insurance and everything else in this country. As taxpayers we pay towards their health benefits that they don’t really pay for. But they want to tell me how I’m supposed to spend my money on health insurance just like they want to have control over a woman’s reproductive rights? And I don’t care if you’re Republican or Democrat, that’s bullsh🤬t￼￼.
Americans, average everyday Americans, are the perpetual pawns of politics and politicians. Depending on which party is in power, you get something for a few years, then the next administration takes it away and so on and so forth. It’s a vicious cycle without end and there should be an end to it.
We didn’t ask for political parties to battle it out and for politicians to beat their breastbones telling each other how fabulous they are at our expense.
Elected officials aren’t so fabulous because they won’t sit down and figure this out. It is just a perennial game of whomever gets all the toys wins with regular every day Americans as the losers in perpetuity.￼
I am grateful I am able to get health insurance. But not everybody can. And the prices go up but the services don’t necessarily coincide do they? ￼
I will note for all you far more conservative than me, I have never ever expected someone else to pay for my health insurance. I just would like it to be priced fairly and consistently.
We need real and lasting healthcare reform. Not more extremes in politics.