Nothing to me, but one of my sisters and the wife of my brother would both lose health insurance. My sister in law is a cancer survivor who has been denied health insurance before the ACA because of this pre-existing condition. If she got seriously ill or the cancer came back, my brother would go bankrupt trying to take of her.
Not entirely sure. We have employer-based insurance but the ACA passed before our most recent child was born. He has special needs (ASD) and I don’t know if our insurance would continue to offer the same things if not required by law. Per several articles floating around, the ACA requires providers to cover habilitative care (teaching to speak, physical therapy to gain skills not yet developed, etc) versus just rehabilitative care (regaining those abilities once lost) and that protection goes away if the ACA does. Then there’s the whole “pre-existing condition” thing.
I have a preexisting condition. Without that protection, I’m afraid I would be unable to find insurance outside of my current job. I couldn’t quit to be a stay-at-home parent, pursue my own business, maybe even simply get another job.
That protection was the reason I was able to quit my old job, move to another state, buy an apartment building and start a family. All in the aftermath of cancer treatment.
FYI…“The annual fee for not having insurance in 2016 is $695 per adult and $347.50 per child (up to $2,085 for a family), or it’s 2.5% of your household income above the tax return filing threshold for your filing status – whichever is greater. You’ll pay 1/12 of the total fee for each full month in which a family member went without coverage or an exemption.” Cite
I’m British so I’ve never thought about it in my life; just rock up.
Can’t imagine how hard this must be when you have loved ones who do or may need care. Someone said at the weekend you’ve got a better chance as a dog in the USA.
Before ACA, I was insured in two states that I lived in in their state-run “high risk pools”. One was a deep blue state. The other was a deep red state. Premiums were about 75% higher than a “normal” insurance, and in order to join you had to show rejections from a couple of normal health insurance companies.
And IIRC those premiums were still way lower (that was 3 years ago) than the ACA premium I am paying today, and the deductibles/total out of pocket limits were a lot lower.
I expect, with ACA going away, those high risk pools will come back.
remember all, if ACA is repealed, the money taken from hospitals and providers that went to pay for it isn’t going to be restored to them. The republican budget showed that money was kept for other things, to offset the deficit if nothing else. The repeal only talks of repealing the direct taxes and benefits, not the bulk of the funding which was stripped out of Medicare and Medicaid.
So repealing ACA doesn’t somehow turn the clock back 5 years. It causes major problems throughout the healthcare industry and that will impact everyone including those of us (such as myself), who have good company financed insurance. The system is going to get it’s money from somewhere and without ACA, the somewhere will be those of us still with insurance.
Nothing directly, as I have employer insurance through my employer.
I work for a healthcare organization, so there would likely be implications to the business, which might have effects on me going forward. If I recall correctly, when the ACA was instituted, that cause costs to rise for us, so our premiums went up slightly. I’m assuming that if the ACA is repealed, that too will cause out costs to increase, so our premiums will go up slightly.
Not sure what it will do to my employer-provided coverage, but that is only for myself.
As it stands now, I can’t afford to provide coverage for my family. I am the only one in the household with any sort of coverage. I make just enough money to not qualify for any form of government assistance, but not enough to be able to afford anything outside of that proverbial pot to piss in.
I hope to get my $15k dollars back that I pay now before the implementation of Obamacare.
Of the various jobs I’ve had in my field, the most I ever paid for insurance while single was $50/month. I’m rarely, rarely sick so I’m not sure what it covers. Usually, I have had free health insurance.
Since I have been married, I have had free insurance before Obamacare. Those plans have been largely the same, some co-pay between $10-25 for primary, double for urgent, triple or 2.5x for emergency. Prescriptions were either free, $10 or I want to say the most I paid was $15, but I think my wife’s treatments (she has an immune disorder and chronic asthma) were somehow exempted from these low fees, but much lower than what we pay now. The one plan I had when I was first married at my one job was completely free, I didn’t even pay a co-pay (unless I went out of network).
To get the somewhat same plan I most recently had, I would be forced to purchase the platinum plan. That plan is $18k and some change for my family. So, to cut costs, I’m on the silver plan with $800 deductibles all over the place, along with much higher prescription coverage and according to my wife, much more exemptions for her immune disorder for $14.5k. I’m counting the deductibles, and rounding so, I would like that $15k back, please.
Same for me here. It essentially makes me a serf to my current employer to hold health coverage, making it unacceptably risky to change jobs to an unknown health plan that would probably cut back or remove needed coverages. Self-employment is out completely, unless it was some windfall job that I somehow made enough millions to pay for major hospital procedures out of pocket.
Repeal won’t affect me personally. My wife and I have high paying jobs with decent coverage through our employers. However, we are providing money to my wife’s family, largely to help care for my 29-year-old brother in law. He’s on the autism spectrum and keeps body and soul together with a hodgepodge of part time jobs. He gets insurance on the exchange. When that goes away, he’s fucked. I’m not sure what his options will be. I suspect the cost of his health care will go up, and consequently the amount of money my wife and I send his way will have to go up.
ACA didn’t work for me.
I was on Social Security Disability, which entitled me to Medicare, regardless of age.
Covered California (CA’s exchange) gave me a very attractive quote when I plugged in the numbers, but when I added my SS#, the subsidy went away.
ACA has a clause that requires those eligible for Medicare to use it or ACA will not subsidize the policy.
Of course me private insurance used the "OOOPPPSS - your old policy is not ACA-compliant. We are going to terminate the policy. the new, ACA-compliant one will cost 140% of what you were paying.
Going from 1/4 of my total income to 1/3 of it would not work, so I am now a Medicare patient.
No more experts for me.
I might be able to actually afford going to the doctor.
I seriously doubt it. If they weren’t aware of the repercussions by now, then their heads are so far up their asses that they wouldn’t be able to read the thread at all.
No immediate impacts that I’m aware of, either for myself, or my extended family.
About the only thing I can think of is that with the advent of the ACA, the insurance plans my employer has offered have gone up in price, and down in benefits, as well as now having a rather large deductible.
For example, I worked some 10 years and NEVER had a deductible for health insurance. Always just a co-pay and something like 80/20 up to some threshold. Now it’s a $1000 deductible for everyone, and a higher co-pay, higher premiums and 80/20 up to some threshold.
The only real benefit I’ve seen from the ACA is that things like annual checkups and a lot of the standard pre-natal and childhood checkups are free, where they used to charge the co-pay.
Huh? What are you talking about, no more experts for you?
Both my parents live in California and over the past 2 years, both suffered the first major medical issues of their lives. My mom had a brain aneurysm; my father had severe heart issues complete with heart attack, requiring stents and a valve replacement. He was very, very sick and had near organ failure in his respiratory system and kidneys.
My mom had one of the best brain surgeons in the country do the work for her craniotomy and clot removal (luckily for her, the aneurysm hadn’t hemorrhaged yet). My father had heart specialists, respiratory specialists and a urologist all working on his behalf.
Both are on Medicare and neither would be alive today without it. Lots of specialists involved in their care.
I’m on Medicaid, via the expansion. I’d lose the medical team that is caring for my serious, chronic illness. Even if I could afford a private plan (which I can’t) I’d never be able to get new coverage due to this (and a few other health problems), since they’re “pre-existing conditions”. I’d be dead before the end of the year.
I have an impacted wisdom tooth which has collided with my right molar. Because of the angle that it’s at in my mouth, it is prone to periodic infection and severe pain. Back in September, I payed $500 out of pocket to a dentist who gave me an x-ray and told me I needed to see an oral surgeon to remove those two teeth. Since I couldn’t afford to do that right away, and the oral surgeon demands immediate payment up front, I had to apply for the Oregon Health Plan. I received my insurance card in the mail this month, and I can’t begin to describe to you how relieved I felt. As soon as my schedule allows it, I’m going to get that surgery done. I also need about $8000 worth of dental work in addition to that.
My Representative and Senators are all Democrats and even recently attended a rally to save the ACA. I may send them a letter anyway, thanking them for their efforts, but it’s preaching to the choir. If I sent a letter to the GOP congressmen from other districts, they’d notice the address was from somewhat outside their district and probably throw it in the trash. Appealing to Trump may be my only hope. :smack:
No effect immediately. However, I’m nearly eleven years older than my wife, and she’s got a few pre-existing conditions. The ACA, if it’s not repealed or gutted, will give her the freedom to retire at roughly the same time I do. Absent the ACA, she’ll have to work until she’s eligible for Medicare (when I’ll be in my mid-70s and long retired) - assuming they don’t fuck that over too, in which case she’ll have to work until she drops.