We have been hearing in recent months a persistent narrative from many of our state and national Republican political leaders about the failed promises and outcomes of the ACA (aka Obamacare). But our experience has been the opposite.
As a self-employed person (pastor), our family had relied on my wife’s employer-sponsored insurance for health care which was quite good. But when we moved from Cedar Rapids in 2007 (we moved back in 2014) and my wife stopped working, we found ourselves in our middle 50s looking for comparable health care coverage in the individual insurance marketplace (before the ACA).
Immediately we encountered issues of the dreaded “pre-existing condition” exclusions/higher rates, higher deductions/co-pays, and significant annual increases in premiums. Eventually when monthly premiums became unaffordable, we rolled the dice and opted for a lower premium but high-deductible catastrophic health care plan. And we prayed that we would not have to visit the doctor or go to the hospital.
Then the ACA was passed. When we enrolled in a health care plan through the ACA, our pre-existing conditions were covered, health benefits (preventive care) increased, our premiums decreased, we felt confident that we could afford to seek and receive the health care we needed and we kept our doctor. Perhaps we need to hear more stories about the successes of the ACA.
Gary and Diane Sneller