O is for Obamacare

iheartobamacare_400pxFirst off, let me just say that I believe single payer is the way to go. No system is perfect, but single payer delivers quality healthcare more equitably, efficiently, and cost-effectively.

That said, I’m a huge fan of the Affordable Care Act, aka Obamacare. Yes, its origins lie in conservative think tanks like the Heritage Foundation and the American Enterprise Institute, which promote market-based policies that privilege the profit motive. Obamacare does not go nearly far enough for many, including me.

Yet it’s what could get through a political system that is sclerotic, controlled by monied interests, and held hostage by a Republican Party practically unhinged in its hatred of President Obama.

It’s a profound success that more than 16 million Americans now have health insurance they couldn’t before afford or couldn’t get due to preexisting conditions. Obamacare is also slowing skyrocketing healthcare costs.

My family has been among Obamacare’s many beneficiaries:

For one thing, our kids have been covered under my husband’s employer-provided insurance until they turn 26. Since Emma aged out last year, she’s been fortunate to get healthcare she could not have otherwise afforded. Pieced-together, low-wage employment is common for young people now: Emma survives as an artist on part-time Russian translation work while also working in a restaurant.  Initially, Emma benefited from Medicaid expansion (again, she’s lucky to live in a state that opted into this provision of the law). Now that she’s a bit more stable economically, subsidies help her afford excellent health care through our state’s health exchange. When our younger daughter, Ally, moves back this summer from Spain (where she’s enjoyed the benefits of national health care) she, too, will be able to find affordable health insurance.

Of course, since Ally’s only 24, she could also still be covered under my husband’s plan. Except that he’s retiring in May! This, too, is something he never could have done before Obamacare. We’ve both had cancer, which involves ongoing monitoring. I am self-employed, and there is no way we could have gotten individual insurance because of our pre-existing conditions—a heinous denial of coverage that Obamacare outlaws.  Now my husband can pursue other interests free from the burden of remaining tethered to a job simply because we need health insurance we otherwise couldn’t get. And somebody else who needs and wants a job can have the position my husband will soon vacate.

Sure, we’ll pay a lot for coverage on our own. We’re too well off to qualify for subsidies, which is as it should be–they are designed to help those less fortunate. Of course, we’ll still benefit from annual out-of-pocket caps, free preventive services, and the knowledge that we and tens of millions of other Americans will no longer have to worry about the Russian roulette that used to be national policy.

Don’t get me wrong—I know that Obamacare is far from a panacea, and that for those who are healthy and whose incomes are a little but not a lot above the subsidized level, health insurance is far from affordable. For some it’s become more expensive. And because our system has engendered such a complicated law, tax season has become even more migraine-inducing than usual.

Yet we should be careful not to blame Obamacare for what had been happening for years anyway—premiums skyrocketing, people getting dropped, families going bankrupt due to lifetime caps, employers reducing hours to avoid providing benefits, or simply no longer offering health insurance at all.

It is a reform in process, but its benefits far outweigh whatever drawbacks exist.

What saddens and outrages me the most, though, is how much energy has been put into destroying rather than improving Obamacare. And I’m not even talking about the lies (remember death panels?) designed to thwart it from the get-go. The Supreme Court allowed states to opt out of Medicaid expansion, leaving millions of poor Americans who live in 23 (mostly Republican-controlled) states uncovered yet unable to afford healthcare on the exchanges.

Now even the federally managed exchanges (set up because so many of these same states refused to take responsibility for their own residents, and passed the buck to the Feds they deplore) are at risk as the Supreme Court considers King v. Burwell. If the Supreme Court rules in favor of the plaintiffs in a case that is based on what most see as the political exploitation of a semantic glitch, it will likely prove Obamacare’s unraveling. Which is exactly what its scorched-earth opponents want.

What do I want? It’s simple, really. I want a law that has helped tens of millions of Americans already, and which promises to benefit many more in the future. I’m grateful to President Obama for achieving what no other president had been able to accomplish.

Please—hands off our Obamacare!

6 thoughts on “O is for Obamacare

  1. Excellent post! I wish we had national health care; our current system is a disaster. We have insurance through my husband’s job, but our deductible is $6000 a year. I pay $90 in co-pay every month at the oncologist’s office that count towards nothing, and my monthly treatments are $1700 (insurance pays only part of it). And what happens if the Act gets repealed by the next administration? What happens to everyone?

    • Glad you liked it. I agree that our current system is a disaster. Obamacare is far from perfect, but it helps a lot. You voice a fear that goes to the heart of why 2016 will be so important–the presidential and congressional races (not to mention how the victor will determine the make-up of the Supreme Court for another generation or two).

  2. Thank you Lorrie for giving me a well rounded look at Obamacare. I must admit, as a mom with three elementary school aged children and a husband who we are all covered on under his insurance, I am uneducated about the issue. Your take on it is much appreciated and gives me a better understanding. Yes to hands off!

    • Thanks, Teri–glad I could assist in filling you in. Did you know that America’s system of employment-based health insurance comes from post WWII frenzy to attract workers? It was something added to sweeten the pot, making the company that offered the best coverage more attractive. That rationale is long gone, but we are stuck with a system that no longer makes sense.

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