I might have to get health care because my wife may be leaving her state job. I started looking at my cost and it's a little over $1400 a month for the cheapest piece of shit plan they have and $10,000 deductible.
So, basically, I pay for all of my own medical needs plus, with the $10K deductible. I doubt I have used $10K of medical care my entire fucking life, now I have to pay for it. The only thing it saves me from is a huge medical catastrophe. Unbelievable.
I might just sell my house and hide all assets and not have health insurance. Fuck this shit. Seriously!
What a horrible piece of shit our health care system is.
I haven't had the same experience but I'm not getting a family plan either. As a matter of fact my premium just got lowered by $60 a month.
Don't confuse health care with insurance coverage.
Our country's health care system is top notch and pays very well, which is why you see so many foreign doctors practicing here.
The ACA sets coverage limits and and eligibility, not premium prices. That's your insurance companies.
I agree that the penalty for not carrying insurance sucks. I also think it's unrealistic to measure the effectiveness of the law as it applies to you without considering some other things.
There is a certain value to the insurance you have through your wife that is reflected in her salary and ultimately in your taxes. I don't know what that cost is in her paycheck, but it's there. I don't know what tax exemptions or or considerations you would get if she were to quit working either. I will say that government employees generally have excellent benefits packages.
You won't be paying a penalty this year though as you were insured last year.
My point is that when I worked for a large corporation, we had flex benefits that provided an allotment or voucher to pick one of the provided coverages and select your options. When I was married with a kid it still cost me $400 a month straight out if my paycheck to insure us, plus whatever "flex funds" I supposedly received but never saw. I certainly got taxed on that "income" though. So combining all that, I paid way more then than I do now.
All things considered, the law has helped far more families than it has hurt. The above article is just one reason why this is true. I'm not asserting that some have not fared as well as most. Considering the number of affected citizens, that number is very small.
The ACA will never go away regardless of who gets elected. Will never happen, despite what the bright light of self absorption send it thinks.
Unfortunately, you can't please everyone, but something had to be done to regulate the insurance industry.
Hope this helps,
FDC
