Thursday, October 10, 2013

Obamacare Eliminated My Insurance Coverage

This past Friday, I received a letter from my health insurance company.  It basically stated that my current plan was being eliminated due to regulations created under the Affordable Care Act and that I was now going to have to find another plan.

First and foremost: I do not have insurance from my current employer.  A while back, I took a contracting job and had to buy my own insurance.  So I choose a high-deductible plan that would cover only regular check-ups and then anything where I spend above 10,400 each year.  Since neither myself nor my family have chronic medical issues, we took that option.

Now this plan is considered invalid.  Under a law that describes itself as aiming to make healthcare affordable, I am forced to pay for a plan that is more expensive.  On top of that, if I have no insurance, I will get fined for not having it.

And then today, I went to eHealthInsurance to try and see what other options were available.  When I entered in basic information about me and my family, the search result came back empty.  In other words, there are no longer health insurance plans that are independent of my company.

So here’s the lowdown: Obamacare has regulated my insurance plan away.  There are no longer any insurance plans for me to buy.  And if I don’t have insurance, I will be forced to pay a fine.

The Federal government has brought financial harm to me and my family.  Obamacare should be repealed this year before the year’s end.

But it won’t.  Because poor people.  The rest of us mundanes are royally screwed over.  All because America is full of moral busybodies who want the government to help people they normally don’t care about.

So I’m left with less income because of this.  I am harmed because my plan is no longer valid according to our pathetic overlords who believe they are better than me.

8 comments:

  1. The politicians won't say it because they want the votes, but Obamacare is about two words: Baby Boomers (and their coming health requirements). It is not about universal coverage or poor people. It is about generational medical needs.

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  2. "America is full of busybodies who want the government to help people they don't normally care about."
    You mean people *you* don't normally care about. "Because poor people." Waah. So your life is going to be little harder, you might have to spend a bit more money. For you and your family's OWN HEALTH INSURANCE.
    Besides that, you're forgetting (or maybe intentionally omitting) a crucial part, here: "Obamacare has regulated my insurance plan away. There are no longer any insurance plans for me to buy. And if I don’t have insurance, I will be forced to pay a fine." Your argument is implying that you will inevitably be fined for not having insurance. Above this argument you stated that there were no insurance plans independent of your company. Under ACA, your employer is required to provide you with insurance. So, uh, it does not follow.
    Also, wth Skeptical Eye? What's with the surface-scratching personal tirade masquerading as an article? Be better than this.

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    Replies
    1. "Under ACA, your employer is required to provide you with insurance." Employers with less than 50 employees face no penalty for not doing so.

      "So your life is going to be little harder, you might have to spend a bit more money." Who are YOU to tell someone that they have to spend more on anything or take the choice of a high deductible (and less expensive) plan away from them? Yeah, we're all crybabies if we don't like having our own money stolen from us. Get a life and stop trying to run everyone else's through threat of state violence.

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  3. Thanks for sharing a real world example. I noticed none of the commentators shared their actual real-life Obama care experience. I can't either; I think my coverage will stay the same provided by my employer who has 300 employees but I have to learn if the price will change - or the services which my family needs monthly. in your case, I believe your dissatisfaction is understandable and sensible. You're losing out on your quality of health care choice and standard of living because of this health care law.

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    Replies
    1. That's because it doesn't matter what my real-life Obamacare experience is. Whether it's easy, or inconvenient, the point is, it's going to help a lotpeople, especially people who are poor. I think that we who make a decent wage should help out those less fortunate, by picking up the slack on insurance or taxes, or whatever.

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    2. Obamacare isn't about helping the poor, it's about enriching the private health insurance companies by forcing us to buy their product. It's like solving hunger by ending the food stamp program and instead requiring everyone by law to buy food. So Skeptchick if you want to help go ahead and give more of your paycheck to the poor (no one is stopping you from doing so), but don't hide behind the "law" and pretend you're moral by putting the government's gun to the heads of us who would rather have our freedom of choice, both on how we spend our income and our healthcare decisions.

      Delete
  4. "That's because it doesn't matter what my real-life Obamacare experience is." LOL! Most of those applauding the Obummercare fiasco have no real world experience with it. So yes, you phony, it does matter.

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  5. Actually, as a liberal, I can say that the ACA is a sham. It's garbage that accomplishes nothing and does cause unnecessary difficulty. It leaves more uninsured than it will insure. Let me repeat that another way: after all the bullshit, there will still be more people uninsured than were insured by Obamacare.

    It's a stupid, stupid law. We should have single payer.

    ReplyDelete

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