In 2011 my daughters and I went to Spain for a week. During that visit, my older daughter fell down some stairs, severely cut her head, and had to ride in an ambulance to the emergency room. She was stitched up and given all her care products and prescriptions by the doctor at the hospital. As a non European citizen, the visit cost us $64 American dollars. For everything. For the ambulance ride, the visit, the stitching, the care products and drugs. A similar visit in the US would be somewhere in the neighborhood of $6000, if not more. And since the ACA went into effect, it’s only gotten worse.
The ACA is not a boon to Americans. It’s not. Do you know that it’s virtually impossible to get a plan on low or moderate income that doesn’t have a multi-thousand dollar deductible? Somehow, in over 2000 pages as a law, someone didn’t think to tell insurers to cap deductibles. It’s insane. Pretend to be an average American. Go to the “marketplace.” Look at the options there. You’ll see that all the plans have insane deductibles. The only plans that don’t are too high priced for people in lower income brackets. It’s a joke.
The ACA isn’t a boon. It’s a legislative nightmare. It’s a paperwork nightmare. It’s raised costs, not lowered them. Emergency plans available before the ACA that covered essentially the same thing were cheaper than the plans under the ACA. The ACA operating in reality is anything but an example of success unless you’re an insurance company executive. What would be a real success would be getting rid of the for-profit middle man in healthcare. Then when someone needs to go the doctor, it would cost what it should instead of lining the pockets of everyone along the way while the person in need of care suffers financially in addition to suffering with their health.
What the ACA has done is to take public dollars and use them for privatized profit. People whose health insurance is “subsidized” get their insane premiums paid for by tax dollars. So greedy ass insurance company charges $740 a month for their crappy plan (that’s $8880 a year!) and the government pays part of that premium out of tax dollars. The shitty insurance company theoretically can’t profit more than a certain percentage, but that doesn’t mean they can’t pay their executives more and have less in “profit.” It’s all a big game, but it works out the same: public tax dollars paying a greedy middle man to skim profit off before providing subpar healthcare. And people are worried about socialized medicine because they don’t want to pay higher taxes? The logic escapes me. Really the problem is that the greedy bastards who lobby for the insurance companies have all the “lawmakers” in their pockets. It’s a giant, shambling scam.
We never asked for our daughter’s insurance company to reimburse the $64 spent in Spain the day she was injured. We paid for it because we could because that kind of healthcare is truly affordable. The Affordable Care Act? Not so much.