Why We Need To Keep the Affordable Care Act.

The Affordable Care Act is a very misunderstood bill.  Opponents would like us to feel it limits choice or that it would interfere with your medical care.  That is not the case at all.  It is designed to offer insurance to those that can’t afford it and provide a minimum standard of coverage.

It is set up in three categories:  Medicaid, premium subsidies and private insurance.

Medicaid coverage differs from state to state.  Washington has made it available to everyone under a certain income level; other states have restrictions on adults receiving Medicaid.

Premium subsidies are for people that don’t have employer insurance and can’t afford the entire premium.  They pick their own insurance company and the government either pays a portion of their monthly premium or issues them a tax credit at the end of the year.

Private insurance is when they have insurance through their employer or they purchased it on their own.  At the end of the year the insurance companies mails proof of insurance, like a W2, and you submit that when you file taxes.

There is also an income exemption so if you can’t obtain insurance and pay for it on your own you will not be penalized.

The Health Marketplace has already established who needs what.  It will be a healthcare nightmare if we get rid of the ACA without a new system to replace it.  Millions now uninsured and no resources to accommodate them.   Lifesaving treatments suddenly stopped because the patient can’t afford to pay for them out of pocket.  Chronic diseases like high blood and diabetes going untreated.  Mental health patients off their medications.  Cancer undetected because of the lack of preventative services.

We are rich nation and we can afford to make sure our people get the healthcare they need.  Let people pay what they can and have our government help with the rest.

The ACA was implemented in 2010.  It has been a part of the US budget for six years.  Why get rid of it now?


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