Obamacare Success Stories

The media coverage of the Affordable Care Act has often been distorted, confusing start-up problems with the overall value of the law. Even beyond the initial problems, Obamacare is far from perfect. However, it is a huge improvement over the system it replaced in which people with medical problems were often denied health care coverage. In some cases conservatives have tried to pass off long-standing problems with the health care system, such as restrictions by medical plans on which doctors you could see, as problems with the Affordable Care Act. Fox has paraded people before viewers who were cut off by their health care plans when in reality such acts by insurance companies represent exactly the type of problem which Obamacare fixes. Previously those cut from insurance plans were often unable to replace their insurance due to per-existing conditions. Under Obamacare, there are no longer such restrictions on coverage. You might not be able to keep exactly the same insurance plan you have, but most people have the option of receiving insurance from the same company which provides better coverage at a lower cost.

The media has greatly exaggerated the fact that some people, primarily those who do not qualify for subsidies, might wind up paying more for insurance coverage. Often this is because their old plans were designed by insurance companies to limit their risk of actually paying out on claims. At very least, the “losers” under the Affordable Care Act have one significant benefit–insurance which cannot be revoked due to developing medical problems. In addition, although I will pay more next year for insurance, Obamacare has provided me with additional benefits such as covering children up to age twenty-six and covering preventative studies with no deductible or co-pay.

While there are going to be some relative losers in any change, there are far more winners under Obamacare. The media is increasingly reporting on these cases. For example, The Los Angeles Times provided several examples today. Besides providing examples of winners, the article explained:

Two-thirds of the 30 million Americans who will be eligible for individual coverage next year are uninsured today, whether because they can’t afford it now or because they’re barred by pre-existing condition limitations, which will no longer be legal. And more than three-quarters will be eligible for subsidies that will cut their premium costs and even co-pays and deductibles substantially…

Political opportunists (like House Speaker John Boehner), exploit near-term difficulties to obscure the tangible benefits the Affordable Care Act will bring to tens of millions of their constituents. When they say “this law has to go,” as Boehner’s spokesman did this weekend, they’re talking about returning people to the era of exclusions for pre-existing conditions. To people learning they’re uninsurable because of injuries from accidents, or chronic diseases, or the sheer bloody-mindedness of insurance company bureaucrats.

There are problems with Obamacare, but nobody has had to declare bankruptcy due to medical expenses and nobody has died because of being denied insurance coverage.

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