I am 57 years old, and a voting adult since I was 19. My first election was Reagan II, the Sequel. I have to tell you I have never seen a more contentious race than the Trump/Clinton match up. What amazes me the most is how blame is getting laid every which way for things that our candidates had nothing to do with. One thing is Obamacare.
First, it's called Obamacare for a reason. That's because Obama was the driving force behind it. How that is being laid at Hillary's feet is beyond me. Other than the fact that they belong to the same party, I am at a loss. I have seen numerous Facebook posts thanking Hillary/Obama for the raise in their deducible and out of pocket rates.
Let's set the facts straight.
First, rates go up every year and have for decades - regardless of who is president. It is not the fault of Obamacare. Healthcare is expensive.
Second, for Non-Obamacare policies, the rate increases are not a result of the government. They are the result of insurance companies that are trying to keep the bottom line cushy so they can have their big bonuses and great stocks. Do a little research and see what their profit margin is. It will shock you.
Third, any company that offers an Obamacare plan was offered enormous tax breaks and government incentives to do so. They did not offer these plans out of the goodness of their heart. There is something in it for them, to be sure.
Fourth, healthcare has needed an overhaul since the end of WWII. We have veterans and homeless without healthcare. The immigrant community and the homeless are the ones that end up overcrowding the emergency rooms because they have no where else to go. Even for non-emergent problems, that is where the end up. On top of that, an enormous amount of these bills go unpaid. That is the bottom line. the hospitals eat this, and rates go up. Not only for premiums, but for the cost of medicine, drugs, and running the hospitals. It is a vicious cycle that is hard to stop.
Fifth, if you cannot afford the policy that you have, switch to another one. You are not forced to stick with any one single plan. If the rates get raised to the point that you cannot afford it, then change. You have that option. employer groups typically have several plans from which to choose. You have the choice of an individual policy, or get yourself an Obamacare policy that is less. Shop around, Make informed choices.
We need to separate the issues. Learn to see the problem as a whole, and not one little chunk. Make informed decisions, and please, please, please...
Get out and vote. Whichever way your heart tells you is the right way. Voting is a right that a majority of the world does not have. It can help decide the future. Don't ever think that your voice doesn't matter. It does, in a big way. So let's all get out and
Rock the vote!
Until next time:
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Author, Medical Billing, Coding, and Reimbursement
A medical billing professional for over 30 years now, I have seen a lot of changes in this field, and there are a lot more on the horizon. Follow me as we see what they mean and for who.