In 2009, I was working as an Admissions Representative for a private college in Houston. This small institution was part of a large, publicly traded chain of schools. Part of my benefits package was a health care plan.
I was reasonably healthy, so, when the national rates went up, yet again, I decided to opt out. My rates for a single man were about $600/ month and rising. My deductible was $3000, so even when I used the plan for doctor visits I had to pay out of pocket because of the high deduction.
Just for kicks, one day I went on-line to shop for health care. I was amazed there were scores of plans ranging from $120/month to $500/month. All had a much lower deductible, accepted pre-existing conditions, and were with well known companies, like Blue Cross/Blue Shield, Cigna, Aetna, etc.
How can this be, I thought? How can I buy cheaper health insurance on my own than through my company?
The answer is Texas has Tort Laws in place, which limit the amount of a settlement in a malpractice case. Also, Texas has a frivolous lawsuit law, which forces the person who files the lawsuit to pay the legal expenses for both parties if they lose that suit. Add to that the fact that insurance companies cannot sell insurance across state lines, and you can see how these companies were able to offer me affordable rates.
Enter the Affordable Care Act. On Christmas eve, 2009, while you and I were busy with family and friends, this monstrosity was passed. Remember, Obama said we would be able to keep our health plan if we so desired, we would balance the budget, and our rates would actually go down. However, by June of 2010 there were no more affordable plans. My rates skyrocketed to $900/month within half a year. Then the school closed and I was laid off.
Now we come to the present. No one even pretends that you will be able to keep your health care plan. Millions have already lost their plans. No one pretends costs won't go up. Costs have already skyrocketed and are projected to go up even more. Certainly, with Obama running $1.5 trillion deficits, no one is pretending it will balance the budget.
So, we are told to take our medicine, so to speak, cuz if we don't, we're racists. Or something.
And, according to a recent report issued by the IRS, the least expensive family plan will be in excess of $20,000/year. My question is this: what will happen when millions of Americans discover they simply cannot comply with the new law?
(The Washington Post: Democrats are trying to suppress the confusion and hide the cost of ObamaCare)