All I can say is this.
My stepdad is disabled from diabetes, he had to quit working about a year and a half ago. He is legally blind in one eye, and the other is not much better, he has had lazer surgery on it several times. Had a fem-pop bypass in October, last month the incision line became infected. Likely from the osteomylitis that had not cleared from his foot when he was discharged home in October. At that time he lost the three toes between the great toe and the little toe. The physician had him doing whirlpools on that from the time it happened till he reinfected. I am a wound nurse and that was inappropriate, though could not convince the doc of that. Hell I only do this for a living. Anyway he was sent home this time with open wounds after an Incision and drainage at both the calf and the thigh, opened on both sides. He had half of his left foot amputated as well. I have been doing all the care, not only do I prefer to do it, I save my parents the billing of a home care nurse that would be partially covered by insurance. The insurance that has covered this is under the cobra insurance he was able to carry after he quit working. It will cover only the next 4 four months. After that my parents have no insurance. My dad is now on SSI but there is no medicare benefit until next April. However that still will not cover my mom, who has severe COPD and is oxygen dependent. My parents are not elderly, they are in their late 50's, but they do have significant health issues. My mom was a homemaker, she chose to stay home and take care of her kids and husband and for that she is penalized by social security. She is not eligible for disability because my dad makes too much money, the whooping $1100 a month he gets from SSI. She is not eligible for regular social security because she never worked. I don't even want any money, just a way to cover my parents on insurance. The cobra insurance my dad is currently carrying costs them over $800 a month, what savings they have is nearly gone.
I have been through nearly every thing you can in order to find some sort of insurance to no avail at this time. Possibly they may be able to pick up a spend down insurance through the state of Michigan but so far because my mom can't provide a letter from social security that she meets disability criteria they can't get the spend down insurance. She can't get that letter from social security because she is not eligible, like I said because of my dad's income and because she had not worked, so of course they aren't going to take the time or the money to run her through the system just to say she meets some disability criteria, that would be foolish. Yet, this stupid woman from the county insists this is what we do. The people at social security have been very nice but are clueless as to what this woman is doing. In the meantime my parents are worrying out their guts about what they are going to do, and I am as well. If we can't get something my mom will be without insurance for 4 years until she can be covered under medicare through my dad.
Do I think all of this is ********? You bet. My dad has worked since he was 15 and worked until it was no longer safe for him to. He was a butcher and when he couldn't see good enough not to cut off his own hand he had to quit, not to mention the osteomylitis that was eating the bones in his foot. Even though over $800 a month is going to keep the cobra insurance, my parents would gladly continue to pay it if they were allowed to keep the insurance. But they aren't. Over the last nearly two years of dealing with all this I have dipped into the savings I had for my kids college again and again to help keep my parents afloat, college will likely be through Strafford loans now. I have listened to my dad make statements like it would have been better if he was dead because then at least my mom would have something. In the meantime as I have become involved with activism in nursing I know the top paid CEO of an HMO made 25 million dollars.
The arguments against universal healthcare have been you can't pick your own doctor. Like that is something new.
Those who work would be paying for deadbeats that don't. What do you think you are doing now? Plus you are also paying millions of dollars into the pockets of those who make money by denying care.
Look at medicare and how it runs. I say look at the aging population and we had better pull our heads out of the sand now and make some significant changes to the entire healthcare system or we are all in a world of hurt.
Either universal healthcare or force insurars to actually have to insure everyone. Like I said my parents would gladly pay to have insurance, it's just no one will do it.