These are the benefits of the Affordable Care Act for all Americans but it benefits mostly the working poor and the lower middle class who need the benefits the most. If you read this and are still opposed and clamor for its repeal, then you are simply clueless and should pray, very hard, that you are never in the position to need its benefits. I hope you do not lose your job or your insurance. Because if you do, you’ll lose everything else. Trust me.

If you are working and you have to decide between food and insurance, you are the working poor.  There are MILLIONS of Americans who cannot afford both.  They work hard, often at menial jobs, and get little to nothing in return.  They are not the lazy people that some people have made up to make themselves feel better about opposing benefits.

The Waltons (owners of Walmart) are some of the richest people in the United States and most of their workers QUALIFY FOR FOOD STAMPS and do not receive health insurance.  When you oppose the ACA, you help keep the Walmart workers poor and the Waltons rich.  In other words:  WHAT IS WRONG WITH YOU????

When you buy into the propaganda that is anti-ACA, you line the pockets of the rich and take away from the working poor.  Do you really want people who get up every day and go to work at some menial, horrible job to not have ANYTHING?  Not even health insurance?  Again: WHAT IS WRONG WITH YOU???

I can understand (but don’t agree with) people opposing government programs such as welfare or food stamps or other things. You can say, “Well everyone can find SOME job to do.” But opposing the ACA is ludicrous. Everyone can’t afford health insurance and everyone can’t insist on staying healthy.

People as rich as the Waltons can afford to give their workers health insurance but they refuse so the government has to MAKE THEM!  Once upon a time, employer health insurance was a given for most working Americans.  Now it’s not.  That is why the middle class is disappearing.  There are the poor and the rich…guess which one you’re sliding toward?  Not rich.

You can’t say, “Those damn sick people! Why should we care about them?” because if you do, you are a fool because one day, and it could be very soon, you may be one of those sick people. Or someone you love. And you turn yourself inside out to do everything in your power to get the right treatment. And the last thing you need, in the face of losing someone you love dearly, is financial crisis.

So if you are opposed to the ACA and you’re not a millionaire, God help you.

1) The “mandate.” This is the boogie man tactic that those opposed use to scare people from it. What the mandate simply says is if you can afford insurance you have to purchase it. If you can afford insurance and choose not to get it and need medical care and don’t have insurance coverage you either have to get insurance or be fined by the IRS. This is a great “rule” that benefits EVERYONE. For years people have been complaining about the “freeloaders.” Well even if you don’t collect government benefits, if you can afford health insurance and don’t buy it, you are a freeloader. In more ways than one.
Now what is “afford”? Everyone making up to $44,000 will receive subsidies to help pay for their insurance if they need to buy it themselves (their employer doesn’t offer it). That covers my son who is so afraid of this mandate but doesn’t make 44k and works for a company that doesn’t cover him (though they could well afford to). But he makes too much to qualify for Medicaid and right now, buying insurance on his own would cost over $1000 a month. His government insurance would be much less than that and he would be able to afford check-ups and preventative care that he doesn’t get now.

Three years ago he contracted a rare version of Lyme Disease. I have never seen him so sick and he refused to go to the hospital. I told his wife I was keeping the kids and she was to bring him immediately to the Emergency Room. He went. He was there for days. He had test after test run and even had spinal fluid taken because they weren’t quite sure what it was. It was much worse than run of the mill Lyme disease. He didn’t pay for all of that treatment except with his taxes that go up year after year making health care even less affordable. And you paid for it and I paid for it and the hospital paid for some of it.

If, in the future, he does become debilitated due to sickness he could have avoided with preventative care, he will be the taxpayer’s problem as he will then qualify for Medicaid or Medicare and Social Security disability and the taxpayers will be paying for his care. It’s better he get affordable insurance and preventative care now than to incur thousands (sometimes millions) of dollars of medical bills later on that someone (the taxpayers) have to pay.

The “you can afford insurance” rate (making 44k or more) will be around 300-400 dollars a month. That is a bit more than many employer insurance plans but a lot less than many others. It is an incentive to get your employer’s health insurance. If you are making more than 45k in most parts of the country, you can afford 300-400 a month for health insurance.

The non-insured are a burden on the rest of us and many CAN afford insurance but roll the dice that they won’t ever need it. Additionally, many people pay much more than $300-400 a month to insure a family under their employer’s plan. They will be glad to have the option of this new insurance. I know I have paid huge premiums at some of the places I’ve worked and had one option. With this I will have more than one. I can CHOOSE. Wouldn’t that be nice?

People say “This is intrusion into the lives of Americans!” Well so are taxes, seat belt laws, child abuse laws and other things that the government regulates. People have been angry about seat belt laws for a long time. Smokers are mad about smoking restrictions. They all have the “This is a free country!” refrain. But health care mandate is NOT intrusion. It’s insisting that people can’t use the ER as a primary care physician. If you can afford health care, you have to buy it because if you don’t, others suffer. And that’s not fair. When a group of people decide to act outside the public interest, government steps in.

The government wants a safe and healthy populace. Unfair intrusion? If you think so. But like putting on your seat belt, this will save lives and be good for all. Don’t let the bogey man “There goes our liberty!” nonsense convince you otherwise.

2. Taxes. Everyone runs around screaming, “WHO IS PAYING FOR THIS???” And the answer is that there will be a tax increase mostly on those making more than 200k a year. If you’re opposed to the ACA and you’re not making 200k a year, you’re doing these rich people a HUGE favor. So stop it.

But the more people paying into it, the less for all of us. And the less people with NO insurance getting sick and becoming a burden on government programs, the better it will be for all of us.

We’re all paying taxes for the uninsured now. We’re paying a lot of taxes. We’re also paying higher medical costs and insurance premiums. The costs of the uninsured get passed to those of us who pay taxes, buy insurance and go to the hospital.

If you want to go to a hospital with the best staff, the best equipment and the ability to treat you with the best technology, you might not be able to find one because they are paying for the UNINSURED instead of staff, technology and equipment.  If you think that the uninsured showing up in the ER doesn’t affect you: THINK AGAIN.

If you don’t think you’re paying a hefty price for the uninsured, think again. Everyone having health insurance will ease the burden on those of us (mostly middle class) carrying the burden now.

Whenever a person with no insurance becomes seriously ill, you and I pay for it. It’s that simple. And it’s not okay for hardworking people who can’t afford health insurance to become burdens when regular checkups and preventative care can help them to stay healthy.

3) Small businesses will NOT be doomed. They will get federal tax credits to help pay for their employee’s health insurance. And if you work for a small business you might get health insurance for the first time EVER or you will find that your insurance premiums are smaller thanks to the help your employer will get from the government.

Click Here to Continue Reading Part III

Advertisements