Monday, November 25, 2013

My take on the broken promise flaw in Obamacare

The much talked about broken promise in Obamacare (Affordable Care Act) seems to only effect a small percent of the population. Folks with high deductible bare bones plans who are also high enough income to not qualify for the Obamacare subsidy of premiums. Some of those low cost high deductible plans are now not allowed under the new laws, I guess. (I listen to NPR a lot so I follow these things while other folks think about sports). This may have been a mistake in the Affordable Care Act. To outlaw many of those bare bones, cheap high deductible plans. Regular health plans that are more comprehensive are more expensive. Everyone (I guess) that makes over 400% of poverty level for their family size will be eligible for the premium subsidy. This includes single people as well as families as the poverty level is set by family size. Higher income folks may have to pay more. It isn't a perfect system, but there is a "broken promise" that the press will, of course jump on. Yes, the press jumped on President Bush also.

Basically, I like the fact that they are trying to improve healthcare access in USA so I tend to lean in favor of Obama's efforts. On the other hand, I realize that the whole thing could implode and increase the deficit depending on how it pencils out. Americans seem to want more healthcare than we can pay for, or our healthcare system is charging too much, or all of the above.

Still, it's better to have a regular physician than to wait till the emergency room for all one's care under our present (unreformed, nonsensical system). Even with having a doctor, I think people need to learn to live healthier lifestyles. I know not everyone is blessed with the best genetics and so forth and I hate to dump blame on folks from the seat of my bicycle.

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