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Obamacare not such a great deal for 80 percent

TIM ELSEA • May 21, 2014 at 8:51 AM

I keep reading commentary about how great Obamacare is for the 20 percent of people who did not have health insurance for whatever reason.

For those who are eligible for the discounts and subsidies offered on the exchanges, maybe it is a good deal. However, Obamacare is not such a great deal for the remaining 80 percent who already had insurance offered by an employer. The vast majority of employer-sponsored plans had to make drastic changes to conform to the Obamacare mandate that have basically rendered the policies to no more than catastrophic coverage. In my own personal experience, I had pretty good insurance prior to Jan. 1, but not anymore. Matter of fact, the policy that I had in January 2010, prior to the passage of the Affordable Care Act, was probably the best that I have had in my career. I now have a consumer-driven health plan coupled with a health savings account that ensures that 100 percent of the health care costs encountered by a reasonably healthy family will come from the consumer and not the insurance carrier. I do not have co-pays for doctor’s visits and prescriptions and gained a $7,000 deductible that has to be met before receiving insurance benefits. Contrary to the president’s promises, I did not get to keep the policy or the doctor that I liked. For all of those in the 80 percent group who have had to endure the negative changes in your health care due to Obamacare, I encourage you to show your displeasure in the upcoming national election cycle. There are politicians on both sides that need to be sent back home. Washington is broke, in more ways than one, and America can no longer afford inaction by our elected leaders who serve at the pleasure “of, by and for the people.”



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