Should Obama care be repealed?

[luv2]

[h=1]another poll question?[/h]

[Skippingtowork]

Turning 26 and being kicked off your parents' plan is a "qualifying event", hence you should be able to sign up for your employer health plan when that happens, instead of having to wait for the next open enrollment.

You wouldn't qualify for Medicare as a 26 year old unless you are disabled or on dialysis. Medicare is primarily for the Elderly. Medicaid is for low-income people. Children with severe illnesses can qualify despite parents' income in many states but often have to pay a premium. Anyone who earns a nurse's salary will make too much to qualify for Medicaid.

It is illegal for insurance companies to deny coverage for pre-existing conditions. That is one of the most important parts of the ACA.

The ACA doesn't go far enough. It's disgraceful to be the only developed country in the world that doesn't guarantee healthcare for its citizens. But, until we're willing to go that far there are those of us, like me, who were unfortunate enough to be diagnosed with diseases like brain tumors at a young age who need a law that prevents insurance companies from denying coverage for pre-existing conditions or placing lifetime caps on our coverage. If lifetime caps were allowed, mine would have been maxed out before I turned 20.

I feel your pain. I have seen many many children who maxed out their insurance before starting school due to prematurity and its complications.....and then the parents went bankrupt.

[Skippingtowork]

While I know it helps some patients, I personally don't like it that much. For starters, I stupidly forgot to sign up for my employer's insurance in the beginning of the year because I thought I had to wait 3 months, when it was given right away. So now I'm about to turn 26 and I will be kicked out of my dad's insurance. So I went online to find out about medicare and other options, right off the bat I was denied government help because I earn too much. I got to the other options and they are all $260+ a month, and I'm like, I can't afford this! So I go call different insurance places and each of them is cheaper in individual plans, so I need to pick one or I have to pay the fine for not having insurance, but some of these say they won't cover my existing conditions or not this medications but this doctor... this is a very difficult thing to do and I wish it was easier for me.

Sign up now with your employer. You are legally allowed.

[jaycam, RN]

If it wasn't for the ACA, I would have never made it through nursing school. I am an ACA success story, having gone from unemployment with no insurance, full-time school, eventually gaining access to Medicaid through being in a state that accepted the expansion. You can read more about my story in the post I'll link here. I have pre-existing conditions, but I made it through nursing school, and now I am a nurse with an employer-based insurance plan. I have gotten myself up and out of poverty because I was able to maintain a baseline of healthcare while in school.

https://allnurses.com/nursing-activism-healthcare/why-i-cannot-984481.html

[anna7hanna]

Honestly I get confused when people basically say it should be repealed because it wasn't perfect when it was passed. I really can't list anything in healthcare or in life that is perfect on the first trial:no:... I really can't fathom that people really thought there wouldn't be things that needed to be fixed when it was passed... I believe that it should have been released when it was because who knows if the next president (who was at the time unknown) would continue to work with this bill it might have died and it didn't need to. At this point I don't believe it should be repealed, I believe the kinks need to be worked out of it but I really don't understand how by this time many don't understand that life is trial and error... just because you make an error does mean the whole experience was a waste.

[Tenebrae, BSN, RN]

If these patients had to pay even a small copay they would not want to stay, they would be more accountable for their actions.

Rubbish

We have as close to universal healthcare as it gets and let me assure you all that happens when people dont have to pay a copay is that they get the healthcare they need. The hospitals arent full of people who don't want to leave.....

[NagathaChristie]

DeeAngel, I call shenanigans. I do not believe that you pay $850 a month for individual health insurance unless you selected the Cadillac of insurance options and that would cover your medication.

[DeeAngel]

If it wasn't for the ACA, I would have never made it through nursing school. I am an ACA success story, having gone from unemployment with no insurance, full-time school, eventually gaining access to Medicaid through being in a state that accepted the expansion. You can read more about my story in the post I'll link here. I have pre-existing conditions, but I made it through nursing school, and now I am a nurse with an employer-based insurance plan. I have gotten myself up and out of poverty because I was able to maintain a baseline of healthcare while in school.

https://allnurses.com/nursing-activism-healthcare/why-i-cannot-984481.html

That's super nice for you. Meanwhile I'm going to have to choose between going bankrupt if I stop paying for insurance or I can pay for my inhalers so I can breathe. I can no longer afford both things. My rates went up by hundreds a month and my deductible went up from $500.00 to $6500.00 to help subsidize lower cost insurance for people. I am paying an unsustainable $1250.00 a month for my insurance and inhalers. You got to have baseline healthcare with the discounted insurance you got, meanwhile I can't afford to go see a doctor because I have to pay for all my own healthcare until I hit my deductible. They cannot repeal Obamacare fast enough for me. I don't see why the healthcare of others is prioritized over mine when I'm paying through the nose.

[DeeAngel]

DeeAngel, I call shenanigans. I do not believe that you pay $850 a month for individual health insurance unless you selected the Cadillac of insurance options and that would cover your medication.

Would you like to see a copy of my insurance bill, I can certainly provide it. I also have receipts for my inhalers if you would like to examine those as well.

It is a bronze level plan. Not the lowest cost but far from an expensive plan, it's more mid-level. Why on earth would I have any reason to lie about this? I'm 63 years old and insurance isn't cheap at that age.

Edited to Add: My insurance does not cover my medication, It pays a little bit but I can only use their mail order pharmacy. They knock the price of a $320.00 inhaler down down to $287.00, but they most certainly do not pay for my all my medication, they only pay a small percentage until I hit the deductible.

[K9lover, ASN, RN]

I concur 1000â„…

[NagathaChristie]

DeeAngel, do you work?

[DeeAngel]

DeeAngel, do you work?

I am retired, I have no desire to work again.

[la_chica_suerte85, BSN, RN]

Would you like to see a copy of my insurance bill, I can certainly provide it. I also have receipts for my inhalers if you would like to examine those as well.

It is a bronze level plan. Not the lowest cost but far from an expensive plan, it's more mid-level. Why on earth would I have any reason to lie about this? I'm 63 years old and insurance isn't cheap at that age.

Edited to Add: My insurance does not cover my medication, It pays a little bit but I can only use their mail order pharmacy. They knock the price of a $320.00 inhaler down down to $287.00, but they most certainly do not pay for my all my medication, they only pay a small percentage until I hit the deductible.

I can confirm. Especially if you live in California, at age 63, your individual insurance at the lowest tier (the "bronze" one) can easily be $700+. I was 28 when I was paying for my own insurance (only because nursing school demanded it and I had stopped working -- big mistake) and it went from $111 to $280 (and that was from 2014-2015 when everything with the ACA was shiny and new). I can only imagine if I had to keep paying it and the premiums were adjusted again. It would probably be in the near-$400 range. Part of why I had to pay so much was because I had left a very good paying job and made too much to qualify for any assistance unless I remained unemployed for all of 2015 (not possible with tuition and a now-$280/mo insurance premium). It was a mess and a lot of stress that forced me back into full-time during nursing school (and, once I was full-time, the insanity that persisted with the corporate office with getting premiums together and having us make adjustments that were also fairly costly and dramatic). Not like I had never gone to school full-time and worked full-time but I could only imagine the burden this placed on other people who lived paycheck to paycheck or those who lived in stated like Arizona where the 2017 premiums went up dramatically. I managed okay but for people who didn't have the kind of flexibility I had? What are they to do?

I think the best thing that came out of the ACA (and jeez **** can we stop calling it Obamacare? It's a pejorative at best) was that insurance companies could not exclude individuals on the basis of preexisting conditions.

As others have mentioned, however, it was a major boon to insurance companies. They are raking it in.

That said, there are plans to stop making Medicaid (Medi-Cal for California) payments for care provided to undocumented immigrants. This definitely includes children. I work at a children's hospital and Hispanics, undocumented and citizens alike, are a vast portion of the population we serve. With what the plans apparently in place to get rid of the ACA, California (who expanded funding to promote access to health care for all kids) will be making up the difference and it could be devastating. California’s undocumented kids could be first to lose medical care under Trump