Affordable Care Act Good For Texans

Listening to 8 hours of the Affordable Care Act website rollout hearings this week provided no information for the average citizen. It was nothing but a charade. Republicans used it as a platform to attempt to further misinform Americans. Sadly, the format did not lend itself to enlighten Americans about the realities of America’s pre Affordable Care Act (Obamacare) failing insurance market.

Broadly, one could divide America’s insurance market into six segments; employer based insurance, Medicare Insurance, Medicaid Insurance, Children’s Health Care Program (CHIPS), Military, and Individual insurance. 55% of Americans receive health insurance through their employer. 31% of Americans receive health insurance through Medicare, Medicaid, Military, & Chips. The other 14% are either in the individual insurance markets or uninsured. Many are not poor enough to qualify for Medicaid and cannot afford individual health insurance.

America is a humane country. Before Obamacare, anyone who got into an accident or went to an emergency room got care. If they did not have insurance all those with insurance as well as tax payers picked up the tab. Before Obamacare, employees who had the bad fortune of getting sick were stuck with that employer.

One could not entertain innovating and forming their own business because insurance companies would deny them coverage for a pre-existing condition. New employers were reluctant to take on an employee with pre-existing conditions because it inflated their own insurance. Pre-Obamacare insurance companies could arbitrarily find loopholes to cancel policies. Pre-Obamacare insurance companies could stop paying bills after some cap. Pre-Obamacare, insurance companies could sell worthless policies that collected premiums but covered very little. When the patient needed insurance they realized they were not covered.

PDF of entire piece.

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