The Affordable Care Act (ACA) is the same thing as “Obamacare” but a lot of people still don’t know that. Polls show that people may like the ACA but don’t like Obamacare. Go figure.
Systems speaking, there are always glitches and problems with new systems whether in the private sector or in government. As with most new systems, for the most part we have a parallel [health care] system running until the bugs are taken out of the new system.
I was not for the ACA, but I also recognize all the finger-pointing at the new system is yet another political avenue for those against it to rally together to create unnecessary attacks in the hope to somehow eliminate "Obamacare" but it will not happen that way.
The ACA is a major law that must now be continued and fixed along the way, until it is proven to be a bad law that does not help or work for the majority of people. When that happens it will be and should be removed from law by the very people it was supposed to help --- the voters.
Republicans and Democrats need to stop the in-house fighting for every issue under the sun. People need government to work for them and not for the benefits to elected and appointed officials and their special interests. That said, government needs to get out of regulating our daily lives. At the Federal, State and Local levels, government is dictating how we should live much more than it has in the past. It needs to stop.
Extremism at either end of the political and economic spectrums is what is destroying the America we once knew and loved. Once upon a time in America we used to work together, but that was then and this is now. There doesn't seem to be much hope that it will change soon.
YOu and I both worked in systems, and it's a truism that no matter how much testing you do beforehand, how much research, how many resources, there are ALWAYS bugs and unexpected jolts. I'm not making excuses for what looks like it should have been resource tested, but stress tests in pre-production don't always equal a real-time environment. In fact, I look at this at how popular AHA is, that it got that many people right away who wanted to look for a better deal.
I LIKE AHA. I like the idea that people can shop around for a more affordable rate, that they can't be turned down for a pre-existing condition, and that the pool works by having a lot of people in it (that's the same principle as driving insurance,why isn't Ted Cruz rallying to have that done away with too?)
I think the ACA's implementation was poorly thought-out and a lot of the issues should have been foreseen and dealt with, including not waiting until "the last day" before notifying health care companies on the process and information for clients getting a new plan. It is chaotic for clients and for customer care or sales reps.
Shopping around for a plan is not going to save you money per se, in that even if you find a premium that is lower your out of pocket expenses will be much more.
For example: I have an individual plan for my 16 year old son. His yearly deductible under his current plan is $250. If I change him to a new somewhat equitable plan, his yearly deductible will be around $6,000!!! That's outrageous! His premium would be only $30 less per month than he currently pays. You can shop around for things like copays, but not much else.
Also, I really doubt that most people know all the nuances of researching plans and which one is better for them. It's really a lesson in futility. Many people will need a good agent to help them find any sort of worthwhile plan.
If you want less of a deductible you have to pay more in premiums for it. From the looks of the ACA, I don't see much savings even if you shop around. Again, I didn't want the ACA. I think it is a bad plan. A lot of things need to be tweaked and worked out of the system, but as it is now it stinks.
I agree with you that I think the implementation and rollout should have been better. On the other hand, websites do go down-NSA.gov was down the other day.
On the other hand, we like AHA. My hub liked being able to put his daughters on the plan and, after having a serious health issue earlier this year, that in the future should he need it he can't be turned down for insurance. Since AHA is based on the average of the pool of people that are in it, as more people sign up, the numbers ought to change and it doesn't change anything for anyone that already has their own employee insurance or some other plan they like. Heck, I even think it's completely hilarious that Rick Perry is encouraging Texans to sign up for AHA.
The Manhattan Institute has released an online map showing insurance premiums before and after Obamacare based on age and sex. The law's impact varies widely state to state. In Oregon, for example, rates for 40-year-old men have increased 24%. In Ohio, they have dropped 22%.
The White House says that once tax credits are factored in, about 6 in 10 individuals will be able to find insurance for less than $100 a month.
"In some states, insurance markets were already regulated to not allow insurers to discriminate against the sick. In those states, premiums will fall, like in New York, where premiums will fall by as much as 50%," said MIT economist Jonathan Gruber, who helped design the law. "In other states insurers were freely allowed to discriminate against the sick. In those states, by ending the discrimination, we're going to raise premiums in states like Wisconsin, or some of the Southern states."
Overall, Gruber said, rates are going up for the young and healthy, and down for older people and people who are sick.
I've been self-employed for 13 years. Most of that time, I've had an HSA with a high-deductible policy; the deductible has ranged from $3,000 to $5,500. A traditional individual policy would be cost-prohibitive because--although I have low blood pressure, heart rate, and cholesterol, work out regularly, take no prescriptions, and have no chronic conditions--I'm deemed to have preexisting conditions, basically because I've dared seek medical attention in the past. I was once rejected by an insurer based on a single episode of sciatica five years earlier. I don't think people who have had employer-provided coverage have any idea what the individual health insurance market has been like.
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