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Edited on Wed Jul-04-12 02:40 AM by No Elephants
The ACA will cover only about 30 million additional Americans at taxpayer expense. Out of about 350 million Americans.
It's not nuttin', but paying for their emergency room visits has not bankrupted any American taxpayer, either. On the other hand, health care costs have bankrupted many a family, even those with Medicare AND a supplementary private policy.
Moreover, the vast majority of these uninsured are people whose mental and/or financial condition and joblessness has prevented them from buying insurance, or from keeping it current.
I've been a patient in an emergency room where the patient in the next bay could not even answer correctly the question "Do you know where you are?" And I observed that twice during the course of just one of my emergency room visits alone. And, it was not because the person was so stricken suddenly that faculties failed them. It was because they were people some might call cruelly "street crazies."
I am a lot happier to pay my share of their emergency room visits than I was to pay my share of the gouging hospital bills from Massachusetts General Hospital that Massachusetts taxpayers pay because my husband is a state employee and Massachusetts self insures (though I believe it pays a private company to administer the plan--probably the worst of all worlds as state employees are also employed to interface with the private company).
needless to say, I am also a lot happier to my share of their emergency room visits than i am to pay my share of the bank bailout or my share the rest of the exploitation of the people and resources of this nation by the 1%.
A member of my family has been struggling to keep his family of three insured--and he has--but he can't afford the cadillac policy, so his deductible alone is $5000 a year. That is exclusive of premiums, which are another $12000 a year and deductibles. That is a heck of a lot of after tax money.
Meanwhile, he had been out of work for almost a year a year ago, thanks to the economy. He has been struggling to keep his family both insured and under a roof. Thanks to the real estate bubble caused by Wall Street and the banksters and repeal of Glass Steagall, his home is way, way under water. So, he could not afford to sell it while he was unemployed. Still, he was late on his mortgage only once and he kept his family insured.
He has since put together two part time jobs as an "independent contractor," but he gets no benefits, not health insurance or even one sick day or vacation day. So, he is not financially able to take time off.
The same is true for his wife, whose English is imperfect and was able to get a job only in a laundromat. Her boss refused to give her proof of employment so they could refinance their mortgage, so we can be sure he is not paying into any unemployment or Social Security fund. Again, though, their alternative is losing their home AND having a huge deficit to pay off, plus taxes. (The alleged mortgage relief bill was useless to begin with and has expired anyway--and now the banks have amnesty to boot.)
He just had a 'mini stroke.' I guess that should not be surprising, given all the stress he has been under, with no relief. However, it was surprising because he is relatively young.
The family is chipping in to make his next mortgage payment, but that is not near what his deductible and follow up visits will total. Let alone, that he and his wife have avoided seeing a doctor because of the deductible and probably will continue so to do. (And to be totally candid, a certain insured family member with good health insurance fakes symptoms with her doctor in order to get prescriptions he needs to survive, but cannot afford because his expensive health insurance is lousy.)
If he is unable to keep up his health insurance premiums and has another stroke, I would never begrudge him my share of an emergency room visit, even if I did not know him.
Just because politicians characterize people like my relative and those I've encountered in emergency rooms as freeloaders so they can justify a "penalty" while claiming to be compassionate does not make it so.
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