health insurance

Affordable Care Act

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Pay attention to the fact that your state can refuse to expand medicaid, like Scott Walker recently did. By turning away the Federal money – poor people will be left without health insurance. One more item, small businesses won’t be hurt by Obama care – that’s one of those Conservative falsities (Conservatives love to lie). You need to have more than 50 employees to be affected.

$4,800.00

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Today is National Coming Out Day. I don’t celebrate it. I mean, who else is left for me to tell I’m a lesbian? My entire family knows, as do my friends, and my employer knew from day one – when I put a picture of Cheryl on my desk. Personally, I think this day should be National Stay Home Day. I think missing the 36 million gay Americans at work and school would make a larger impact, as we are everywhere.

Anyway, because of my feelings, I’ve decided to write about the $4,800.00 that will no longer be in my pocket once I cover Cheryl’s health insurance via my company’s domestic partnership policy. This is not money that pays for the insurance itself – this is the taxes taken straight from my paycheck because Cheryl and I cannot legally marry in our state and even if we could, the Federal Government won’t recognize it.

$4,800.00 may not sound like a lot of money, but think about the things we won’t be able to do with that money. $4,800.00 works out to $400 a month. That’s a car payment. $400 a month is ten tanks of gas. It’s ten visits to restaurants in Racine. It’s books and toys for our grandchildren. One month’s amount is a new smart phone.

Taxing my insurance coverage for Cheryl,  while not taxing a straight, married co-worker’s insurance coverage for their spouse isn’t right. It’s unfair taxation.

$4,800.00 a year will raise the total federal taxes on my income to over $12,000 a year. This is well above Mitt Romney’s tax rate of 14%.

I wonder how the people in charge can sleep at night by overtaxing American citizens. I know people who claim that I shouldn’t be a one issue voter, but they don’t get it. This isn’t just about receiving a legal document – this is about taking money out of my pocket unfairly and unjustly.

The Supreme Court Gets It Right

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Finally, the Roberts led Court made a decision that will actually be good for this country. Too bad the right wing is too stubborn to agree.

Sadly, many on the right just don’t get it.

They think that this equates to people getting something for nothing. Apparently, they haven’t been told that millions of hardworking American citizens either can’t afford insurance or work where it isn’t offered.  The Affordable Care Act means that they will have access to affordable health insurance. That’s a good thing.

Plus, the law finally does what should’ve been done a very long time ago – it regulates the insurance companies. Now, they have to spend 85% of the premiums on actual health care. This is a good thing.  Let me explain.

I’m a responsible, tax paying American citizen. When I was working as a contractor, I purchased the most expensive health care plan my employer offered.  I paid the full amount of the premium. I thought I had purchased a plan that would cover up to $15,000 of charges.  I ended up in the hospital and the bill came to well over $6,000. My insurance company didn’t pay anything. What they did do was deny the hospital payment for services and lower the cost of others. I was left with a $4,000 bill.

I don’t know about you, but I don’t have $4,000 just lying around.

With the health care law in full effect, this wouldn’t have happened. And, I wouldn’t be making monthly payments to my local hospital. The insurance company would’ve done what I had been paying them to do.

Another good thing about the health care law is the removal of pre-existing conditions. I have a very mild case of asthma. There was a mix up with my insurance when I switched from one consulting firm to another. This left me without insurance coverage for about two weeks (during which I managed to rack up another $2,000 in Hospital bills.)

Under the old ways, no continuing coverage – no coverage for my asthma. Not now.

Now, my new insurance cannot penalize me for someone else’s mistake.

Which brings me to the Individual Mandate. #1. You don’t want someone to not have coverage, be diagnosed with cancer and then sign up for insurance. That would be the same as not buying car insurance until after you’ve been in an accident. By making everyone have insurance, this scenario practically goes away.
#2. By everyone having insurance, hospitals will be paid for services. If you think people are walking away from medical bills and no one is paying for it, you’re wrong. We all pay when the hospitals raise their rates to make up for the deadbeats.

Responsible adults carry insurance. Now, we’re all going to be responsible adults whether the right wing agrees or not.

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