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Susan Vass's avatar

Good Morning, Commenters! Way to hit that "LIKE" button -- impressive! I am grateful. Was MIA for a few minutes doing -- no, really, not making it up -- the cat boxes and feeding the outside feral cats. It's a tricky business, because I have to make sure our two kittens are confined in a different area before opening any of the outside doors to feed the ferals. They are wily little critters and fast as lightning. Today, I just went out the garage. The ghost of the big full moon was still visible. Very peaceful, wonderfully COLD (which I love) and a good start to the morning. AG

Patti B's avatar

I had real-life contact with Obamacare and it was bad. Not many Americans cared though, because most had employer insurance or Medicare (Medicaid). Only the schmucks buying their own were affected. My husband and I retired early and were very satisfied with the insurance we bought independently from BCBS MN. It was reasonably priced and comprehensive (all doctors in MN). We bought a high-deductible plan knowing that if medical trouble hit, we'd be able to manage the extra expense of the deductible. All was well in insurance-land.

Then the ACA passed in 2010. "If you like your doctor you can keep your doctor" etc. My husband said--wait, this won't be good. It was to be implemented in 2014. My husband was diagnosed with aggressive prostate cancer in 2011. Our insurance performed admirably, giving him access to Mayo (or anywhere else he wanted to go). Then 2014 arrived and we were forced to switch to an ACA-compliant policy--again we chose BCBS for that.

The first year costs and access were comparable, because the idea was that the "pool" would have all these healthy young people now buying this wonderful insurance. That didn't happen--sick people joined when they got sick (no restriction on pre-existing conditions, remember??)--and Year 2 costs went up 25%, premiums and deductibles. The next year the increase was almost 50% and the next year Mayo disappeared from any ACA policy offered in MN. My husband was forced to go to a different MN oncology practice and lost confidence in the doctor (a social worker, Mark called him). We switched to a Medica policy for 2017 and 2018 because I discovered a "travel" clause in their fine print that allowed him to go to Mayo in Phoenix for the 6 months we lived in our Tucson house. I'm sure that clause has been removed.

In mid-2019 we were eligible for Medicare, with restoration of Mayo in MN and in November of that year Mark died.

The Republicans have never had any real ideas about how to improve the American health-care system, and so I assume we are on a slide to single-payer and then the government running it. ("If you think healthcare is expensive now, wait until it's free.)

One of the ACA outrages is the subsidy system, especially the early-retirees who are now coached on how to keep their pre-Medicare taxable income low enough to qualify, despite substantial assets.

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