I did not realize how bad the insurance market is...Wow!

[whichone'spink, BSN, RN]

I recently interviewed for an informatics job at a facility I used to work at 2 years ago as a bedside nurse. I hated it over there, I'll be honest, but I would like to gain some experience in informatics before I graduate from the program I am enrolled in. If I were to get offered this position, I would most likely take it, because there just aren't any analyst positions at my current facility. The one thing that concerns me about moving back to the other facility is the health insurance issue.

I do not trust the quality of care at the other facility. Every floor is constantly short staffed. So God forbid I would need to be hospitalized there, I know I would not be well taken care of. I also do not trust the doctors over there. Unfortunately, if I were to get this job and I choose to take their health insurance benefits, I would be limited to that facility only and the providers of that facility. With that in mind, I started looking at my state's marketplace just to see what is offered for individuals who cannot or will not get employer insurance coverage. It's depressing.

There were so many plans last year, and now there are only two companies offering plans. Both companies' plans include my current facility in their network, but all plans offered either cost more per month or have a high deductible, or both. The benefits being offered by all plans are even worse than the plans of last year as well. No dental or vision coverage, no "wellness" reimbursements, no gym membership reimbursements, and co-insurance costs have gone up. A lot of people are so screwed next year in my state because the pickings are incredibly slim. Because I live in a state with its own exchange, I am not able to look at plans offered on the federal exchange.

I really hoped the exchanges set up in my state and by the feds would enable more freedom in moving jobs. I hate to be limited to the facility I work in, when searching for providers. But this insurance issue is one that will now factor heavily into whether I want this job or not, if I get an offer. I am very healthy, and have not used any benefits at my current facility. But where I am right now, if I need surgery or got sick, I feel like I would be in good hands. I just can't advance anywhere though, and if I choose to go to the crap facility, I would not be able to get care at my current facility.

Honestly, we need single payer insurance. We can't be held hostage to insurance companies and the facilities we work at like this. I am fairly confident the next president will get more done than Obama has. She's basically a stone cold B, and will probably be more effective in getting past the gridlock of the Republican controlled Congress. With the massive dissatisfaction with the insurance exchanges, the next President can make her case for single payer insurance. At least that's what I hope. It can't happen fast enough though.

[NurseGirl525, ASN, RN]

You are not understanding what the ACA is intended for. It's not intended for those with jobs who have access to healthcare such as yourself. It's not about having freedom to move from job to job. It's intended for those without healthcare to have access to healthcare. It is really crappy insurance with high deductibles.

Im sorry you don't like the care at a particular health network. You think a single payer system is going to fix that? Ummmm, no. It will make it worse as you will be dictated no matter what where you go to be treated. No choices.

You need a thorough understanding on how all different types of healthcare insurance works. Single payer is not the answer. People come to the US from all over the world for treatment for their diseases. They don't go to Canada, or the U.K. The U.K. Has terrible problems with their NHS. Terrible. They hate it there and people have zero choice in their healthcare now. You want more choices.

Dont advocate for something until you understand what you are advocating for. Find a different job if you don't like the options given with this one. But, the ACA is not supposed to be used for what you are wanting it for. Yes, most companies are pulling out. It's a terrible plan and companies are losing their shirts over it. They can't pay claims if they don't have the money to pay them. It's that simple.

[NurseGirl525, ASN, RN]

And if you think Hillary is changing a thing with it, you are mistaken. Bernie was the one who was going to overhaul it with hopefully a single payer system as he was more socialist than her.

Trump will abolish it altogether. Hillary has already stated she's not doing a thing to it.