Republicans have trying to scare voters with stories about people who are losers under the Affordable Care Act. They mention them in speeches, run ads about them, and put them on Fox. Each and every time this has happened reporters checking into the facts found that rather than being losers the people turned out to actually be benefiting from Obamacare. Each and every time. Considering how hard they are trying to show that Obamacare is terrible, you would think that if there are actual losers out there they would find some.
The latest case, which is quite typical of all the others, is put out by Americans For Prosperity in Michigan and makes these claims:
“I was diagnosed with leukemia. I found out I only have a 20 percent chance of surviving. I found this wonderful doctor and a great health care plan. I was doing fairly well fighting the cancer, fighting the leukemia, and then I received a letter. My insurance was canceled because of Obamacare. Now, the out-of-pocket costs are so high, it’s unaffordable. If I do not receive my medication, I will die. I believed the president. I believed I could keep my health insurance plan. I feel lied to. It’s heartbreaking for me. Congressman Peters, your decision to vote Obamacare jeopardized my health.”
Glenn Kessler looked into the facts. Once again it turned out that the claims were false. The Republicans are lying yet again.
The patient was able to obtain a plan which her doctor participated in. Her premiums are significantly lower, offsetting the higher out of pocket expenses. She also could have purchased a plan with higher premiums and lower out of pocket expenses. Compared with her previous plan, the new plan not only has lower premiums and an out-of-pocket maximum, it has better coverage for chemotherapy.
With the right wing groups repeatedly having to lie to make claims that people are being hurt under Obamacare, it has come to the point where Kevin Drum writes he is “beginning to think there’s not actually a single person in America who’s been harmed by Obamacare.” If there were, you would think that the right wing groups would be able to come up with real examples.
The problem for these groups is that the closest thing there really are to losers are upper-income healthy Americans who are paying more for coverage due to not qualifying for subsidies, but also receiving better insurance plans. Hardly a group to make commercials about.
I might be able to claim to be a loser under Obamacare, but I’m not going to complain about paying a little more in premiums, which I can easily afford.
I received one of those letters that my plan was being cancelled. That wasn’t as terrible as the Republicans make it sound. Blue Cross gave me two choices. I could sign up for a grandfathered plan they were continuing which was similar to my previous plan but with a higher deductible and significantly lower premium. It is also non-compliant with the requirements under the Affordable Care Act. The other choice was to purchase a new plan, which I ultimately did. While technically not true that I would be able to keep my old plan as Obama stated, this is quite a trivial issue to gripe about considering these choices.
For most people, it would also cost less to buy the new plan once the subsidies are taken into account. For those of us who do not qualify for subsidies, the premiums are higher. However the plan covers much more than my previous plan. When I first bought insurance through Blue Cross (changing to them because my previous insurer had raised prices to an incredible degree) there were no plans available on the individual market which covered office calls or prescriptions. The new plan covers both. Blue Cross has also been covering preventative tests for the last couple of years with no out of pocket payments due to the Affordable Care Act. I’ve been able to keep my daughter on my plan while she is in school, saving more money. In addition, the new plan does not have a lifetime limit on coverage, has limits on out-of-pocket expenses, and cannot be cancelled due to developing medical problems. I bet many people fail to take these important aspects into account when comparing plans under Obamacare to their previous plan.
To recap, I am a loser under the system as long as everyone in my family stays healthy as we are paying more in premiums than before. My story would hardly make a good story for opponents of Obamacare to use. If anyone in my family were to develop serious medical problems, we would have better coverage and in that case pay less out of pocket, which ultimately is the point of insurance.
Other than paying more (and getting more in return) my experience was not at all bad under Obamacare. Yes, there were problems with the computer system at first, but they have been fixed. As I was not applying for subsidies I purchased through the Blue Cross web site instead of healthcare.gov. The first claims from January were paid by the insurance company with no difficulty.
While a small minority of us are paying more, a tremendous number of people are now able to obtain coverage who could not obtain it in the past because it was too expensive or insurance companies would not cover them due to per-existing medical conditions. I have patients in this situation who could not obtain coverage in the past but have been covered since January. With all the bogus complaints about people losing their coverage, the significant number is that zero people can now be dropped by their insurance because they become sick, and zero people have to fear losing their insurance should they stop working.
On top of all these benefits, the Affordable Care Act will help the economy. The recent Congressional Budget Office Report, frequently distorted by Republicans, shows that the Affordable Care Act will reduce unemployment, help decrease the deficit, and allow more people to leave large corporations to start small businesses. The effects of this freedom from the “insurance trap” cannot be scored in a CBO report, but should provide a tremendous boost to the economy.
The more people understand the Affordable Care Act and see through the lies being spread by the right wing, the more likely they will realize that those who are calling for repeal are not merely engaging in political rhetoric. The ridiculous forty-seven votes by Republican for repeal would cause real harm to millions of Americans who are benefiting from the Affordable Care Act, along with harming the economy if we were to give up the economic benefits of healthcare reform.
Cross posted at The Moderate Voice