[quote=SD Realtor]SK the last line of what you said is the administrations cowbell.
“What is different now, is that everyone who loses employer sponsored coverage will have more and better access to continued coverage.”
The issue that I have is the complete elimination of what the administration calls substandard plans. You may argue they are not eliminated however the if they change a single iota then they will be eliminated. So in reality they are eliminated because the nature of policies are that they are fluid and change annually. The administration knew it 3 years ago and to blame insurance companies for cancelling the policies and label policies that are less comprehensive “substandard” is pretty lame.
Why should any plans be considered substandard?
Why do I have to be told I will be given something better when what I had worked fine for me? I don’t want something different, or better. I don’t need to be told what is better and what is worse because I can differentiate and make my own decision.
So what should really be said is that you will have access to more comprehensive coverage that will be more expensive and you will not be able to purchase plans that were less comprehensive and less expensive.
All I ask is that the administration and those towing the line for it say things like they really are.[/quote]
Obama is getting quite a bit of flak for this point right now. Republicans are hammering him that people ARE losing their health care plans and he totally blew it that people can keep their coverage.
That said, I think it was done this way because if say I wanted a plan that covered pretty much nothing and I wanted to save coin, at the end of the day, if the shit hits the fan and I need care, I’m forced to go to emergency rooms anyways and get saved/covered for that thing which was excluded. You, the other tax payers are still paying for it so now, up front, everyone has a basic level of coverage.
It may not be fair, but like I have said so many times here already, until we are seriously willing to just let people die, having a certain level of coverage is a good thing overall for society/US.
Also, you are probably smart enough to see what coverage is good for your family and you have the savings to cover things which aren’t, but if something is excluded, isn’t it true that it’s not even a policy limit issue at that point and they just won’t pay anything? Like if you don’t have maternity cause you didn’t expect to have another kid, but ended up having a kid by accident and worst even, having a premie with now a 400k hospital bill, is it time to now just file bk and move on?
I think the majority of “people” in the US have no clue what is a good plan.
This is why it was setup this way IMO and a good thing for everyone. Sorta like if in auto insurance, someone had coverage just for 1k minimum, good luck trying to claim much from the other side if your own insurance wasn’t good.
Oh well, I’m not a liberal or a democrat, but being self employed, never smoke/drink and paying through the roof for coverage now, I’m glad this is here since I’ll probably make out better with the credits than my current situation.
Long term, like other’s have said, I think companies will start removing health care from their benefits since the Obama plans are probably actually BETTER than a lot of corporate coverage as well.
I think this is a good thing as insurance costs have been inflated since someone else has been paying the bill forever, and companies can focus on their business rather than health care…
