The system was most definitely broken, as was mentioned earlier in this thread.
I am hoping you will listen to my story on a human level, with compassion, and I'm not sharing it to promote a law, but to demonstrate the problems
that were clearly there in the system Before the law, that effected my life. I realize that my situation may seem unique, but it really isn't.
I had cancer at age 22. My father was able to cut a deal with his employer to keep me on the plan, back in the days where employers might do
something like that.
After remission, and after I was no longer on my father's plan, I was unable to get coverage on my own for 10 years no matter what - automatic
denial.
Through the one job that I had that provided insurance, cancer, including follow-up treatments, were not covered. I did not have follow-up exams to
make sure I was staying in remission. Given what I'd been through, (6 months of chemo) that was really dangerous.
So I waited to have kids, until I could get insurance, and then I had to purchase a separate "Maternity Rider" which was expensive and required
something like 9 months (might have been longer) paid-in before I could get any benefits. So more waiting. I had children much later than I would
have liked to, in spite of being married from age 22.
Is this Freedom? No. This is having your life controlled by an insurance company.
Now I have a special-needs son - he has severe autism. I was surprised to find that the vast majority of "developmental disability" therapies were
not covered by insurance. We are not wealthy, so we had to get our child recognized by the State as being "disabled" so he could get benefits -
part of that is basically turning him into a potential 'ward' of the state just so we could get him some help.
The for-profit insurance company, rather than pay benefits, dumps the vast majority of "developmental disability" issues onto the Medicaid system
(and the taxpayers!). He was on a waiting list for 2 1/2 years after his diagnosis (and we are talking full-tilt non-verbal classic autism here). I
never thought I'd be in that position, given our "awesome" insurance plan.
I'm not complaining about Medicaid - once we got it, we were able to at least get some help for our family. I'm grateful to EVERYONE for helping
our family through something so intense that unless you've experienced it, it's impossible to understand.
Finally, we had another son with a major medical problem requiring major surgeries and intense follow-up, which will continue for the rest of his
life. It was definitely a "pre-existing condition," which, should he survive to adulthood, would have forced him to make a choice between poverty
(so he would qualify for what he could get via Medicaid) or having no health insurance, which in his case is extremely unsafe.
Again - is this Freedom? Or having your life, your entire destiny, ruled by a corporation that works on a numbers game to make vast profits.
All of these situations are true and real for me and my family. They have been the source of great pain and sacrifice. They aren't anyone else's
responsibility or fault or anything like that and we have done the "responsible" thing in regards to having health insurance. The system was set up
to make it even more difficult, painful and frightening.
The ACA is not perfect, and could be made better, but it at least addresses (or begins to address) the very serious problems I've experienced in my
life.
Insurance companies are designed to make money. That is what they do, to the exclusion of compassion. They sell product and they expect to make huge
sums of money doing it. It is important to realize this fact. I didn't until 1) I worked in an insurance company, and 2) I found out just how much
they Didn't pay out. THEY DON'T CARE!!!
So, I personally see corporate greed putting people's lives at risk in order to make millions of dollars as being highly problematic to the notion of
Freedom and Self-Determination.
I see the ACA as both propping up the insurance industry and addressing some of the problems I've experienced with the insurance industry that are
potentially life-threatening to people (it was for me!). It is a massive compromise to the corporate interests, as well as a means of forcing them to
do things they would not otherwise do.
So, I don't hate the law. I hope you will not think badly of me for that.
If you do, well then, walk a mile in my shoes - you may feel
differently at the end of that journey. Or not. I don't know...
I offer all this respectfully, knowing the law effects people in different ways.
peace,
AB