Not sure if it is helpful, but I will give you my own take on it as someone with a pre-existing condition who does not qualify for subsidies. Pre-ACA, the only way that I could manage to get insurance was to work for specific real estate brokerages that had some sort of group plan. It was incredibly expensive because the only people that would go in those plans had a pre-existing condition and were expensive to insure. For example, my H would go into a regular individual plan because he could and it was much, much cheaper.
So, the ACA allowed me to get insurance on the open market. The costs went down significantly which was an added benefit, but the most important part to me was that they had to take me. I no longer had to worry about what brokerage I was at and whether they would decide to get rid of their plan. Such a relief.
I hate the idea of having costs rise with the loss of the mandate, but the fact that I will still be able to get insurance is what is most important to me personally.
<3 I thought of you as I was replying above because I know you’re in that small segment of people. I hate that you’re personally affected by this. I will say your state is one that is on the short list for where it could be possible to pass a state level individual mandate. I’m hoping that becomes a major priority for at least a few states this year because it would make a huge difference.
I am, thank God, in Washington state which is one of “those” states with liberal ideas and isn’t opposed to mandates. I well remember when my husband and I first met. He was a 28 year old attorney, not long out of law school, and overweight. Not grossly overweight, but “football player/weightlifter who went to school, got a sedentary desk job with lots of hours, with chicken legs and carried his weight in his torso” overweight. He was denied coverage based on his weight. No other reason except that he was considered overweight. By about 30-40 lbs, not a hundred or hundreds. I now have diabetes. So if it isn’t mandated, I’m certain to lose my coverage based on this medical history, or it will be outrageously expensive. So, for someone who does not make my husband’s current income (so thankfully we’d be able to afford either insurance or the medications) the alternative is to not be covered and to eat well, exercise, monitor without medications and pray like hell that you don’t live a shorter life due to complications when the body is unable to compensate for the lack of insulin. So I am a huge fan of FUCK YOU in the case of removing the mandate for coverage.
I have a stupid affects me question- does this eliminate health case fsas? My daughter is scheduled for some major orthodontic work on Jan 8 and I have squirreled away money for it. Just wondering if I need to come up with a new financing plan.
I have a stupid affects me question- does this eliminate health case fsas? My daughter is scheduled for some major orthodontic work on Jan 8 and I have squirreled away money for it. Just wondering if I need to come up with a new financing plan.
<3 I thought of you as I was replying above because I know you’re in that small segment of people. I hate that you’re personally affected by this. I will say your state is one that is on the short list for where it could be possible to pass a state level individual mandate. I’m hoping that becomes a major priority for at least a few states this year because it would make a huge difference.
I am, thank God, in Washington state which is one of “those” states with liberal ideas and isn’t opposed to mandates. I well remember when my husband and I first met. He was a 28 year old attorney, not long out of law school, and overweight. Not grossly overweight, but “football player/weightlifter who went to school, got a sedentary desk job with lots of hours, with chicken legs and carried his weight in his torso” overweight. He was denied coverage based on his weight. No other reason except that he was considered overweight. By about 30-40 lbs, not a hundred or hundreds. I now have diabetes. So if it isn’t mandated, I’m certain to lose my coverage based on this medical history, or it will be outrageously expensive. So, for someone who does not make my husband’s current income (so thankfully we’d be able to afford either insurance or the medications) the alternative is to not be covered and to eat well, exercise, monitor without medications and pray like hell that you don’t live a shorter life due to complications when the body is unable to compensate for the lack of insulin. So I am a huge fan of FUCK YOU in the case of removing the mandate for coverage.
The other thing about the mandate is that in the more liberal states people are more likely to understand and support the ACA and not drop their coverage without the mandate at the same rate. That will have some stabilizing effect on premiums. Washington state is #1 on the list of states we think can pass an individual mandate this year so keep an eye out for that when your legislature starts up again. I am hoping we can do what we can for as many people as we can.
I am, thank God, in Washington state which is one of “those” states with liberal ideas and isn’t opposed to mandates. I well remember when my husband and I first met. He was a 28 year old attorney, not long out of law school, and overweight. Not grossly overweight, but “football player/weightlifter who went to school, got a sedentary desk job with lots of hours, with chicken legs and carried his weight in his torso” overweight. He was denied coverage based on his weight. No other reason except that he was considered overweight. By about 30-40 lbs, not a hundred or hundreds. I now have diabetes. So if it isn’t mandated, I’m certain to lose my coverage based on this medical history, or it will be outrageously expensive. So, for someone who does not make my husband’s current income (so thankfully we’d be able to afford either insurance or the medications) the alternative is to not be covered and to eat well, exercise, monitor without medications and pray like hell that you don’t live a shorter life due to complications when the body is unable to compensate for the lack of insulin. So I am a huge fan of FUCK YOU in the case of removing the mandate for coverage.
The other thing about the mandate is that in the more liberal states people are more likely to understand and support the ACA and not drop their coverage without the mandate at the same rate. That will have some stabilizing effect on premiums. Washington state is #1 on the list of states we think can pass an individual mandate this year so keep an eye out for that when your legislature starts up again. I am hoping we can do what we can for as many people as we can.
I just want to AGAIN say thank you for everything you do and for fighting the good fight for the rest of us. And for doing a great job informing us and keeping us from freaking out.
The other thing about the mandate is that in the more liberal states people are more likely to understand and support the ACA and not drop their coverage without the mandate at the same rate. That will have some stabilizing effect on premiums. Washington state is #1 on the list of states we think can pass an individual mandate this year so keep an eye out for that when your legislature starts up again. I am hoping we can do what we can for as many people as we can.
I just want to AGAIN say thank you for everything you do and for fighting the good fight for the rest of us. And for doing a great job informing us and keeping us from freaking out.
The feeling is so mutual <33333 You all have been a much-needed source of sanity in an otherwise bonkers year.