Daily Archives: January 4, 2017

A Brief Aside: Health Insurance

So…Republicans are gearing up to kill the ACA.

Now, I’m a Democrat, but the ACA has been an unmitigated disaster for my own personal healthcare. Before the ACA, I had wonderful PPO insurance from the Freelancer’s Union. It was <$400 a month, had a minimal deductible, reasonable copays, and no coinsurance.

Contrast with my situation today: For $950/month, I get a $2000 deductible, copays have tripled and–wait for it–$30,000 in coinsurance. If I’m doing my math right, that means that a major medical issue would cost me $11,400 (monthly premium), $2000 (deductible), and up to $30,000 in coinsurance, for a grand total of $43,400. It’s almost like not being insured at all!

Plus, it’s HMO insurance, which means that I have to go through my primary care provider every time I need anything, leading to massive delays in getting specialty healthcare if I need it. For example, between appointment delays and insurance delays, it took me months and thousands of dollars in healthcare costs just to go see an orthopedic surgeon for a simple corticosteroid injection. I could also count the massive loss in productive work time due to these delays, but I don’t even know how to calculate that.

I’m self-employed, so my insurance options are extremely limited in New York state. The plan I have is the absolute best available to the self-employed here. There are only 3 insurance companies offering plans on the exchange, none with more than a 2 stars out of 5 rating.

So, I ask, why would I care if Republicans kill the ACA? It has had a direct, very negative impact on my personal healthcare. I’m totally willing to pay more in taxes to support social programs–but when it comes to what amounts to taking away any option for decent healthcare, at any price, I can’t support that. The entire process of getting my neck injury treated was absolute hell. Given that my insurance covers so little, economics dictate that I am better off without it and saving for the inevitable medical emergency. Of course, then I have to pay a tax penalty.

Kill it. Kill it with fire.