The government has been back up and running for about two weeks, but the disagreements over Obamacare are far from over. Government healthcare has gotten off to quite the shaky start, beginning with many issues with the federal website used to sign up for the program. However, much more than just improved tech support will be needed to fix the deep-seeded problems with the Affordable Care Act.
The first issue with Obamacare comes directly in its official name: the Affordable Care Act. The truth is, for a majority of middle-class Americans, this new healthcare will not be affordable. Citizens will now be forced to purchase insurance with government-madated qualifications of coverage, whether they need this coverage or not. This is a direct out-of-pocket cost for those who do not qualify for government subsidies due to their incomes. Because of these requirements of coverage, premiums are skyrocketing, and clients’ policies are being dropped. An average forty-year-old male will see an increase of ninety-nine percent on their premiums, and females’ increase sixty-two percent, while also facing higher deductibles and co-pays. Premiums are also expected to increase even further if not enough young and healthy people sign up for the program, which is a major fear as many are being dissuaded from signing up due to the technological issues.
One major benefit being proclaimed for Obamacare is the fact that those with pre-existing conditions cannot be denied coverage or be charged unreasonably higher rates. On the surface, this is obviously a good thing, as most people are not in favor of denying those with serious illnesses. However, the cost from this is going to be coming from taxpayers who are in good health. Why should those who do not need as much medical coverage and do not require medical attention or procedures be forced to pay more to account for those who do?
When proposing Obamacare, President Obama promised that those who already had insurance could keep their current plans and doctors. As the program has gone into effect, this has proved to be a complete lie. Plans are being dropped left and right due to not complying with different standards set by the government, with millions of people being required to purchase more comprehensive, yet more expensive, insurance policies. Clients also may not be able to keep their same doctors, as insurance companies have limited the selection of doctors in exchange plans in order to reduce premiums. For example, large academic medical centers, which often provide the best treatment and most qualified doctors, are being excluded due to their expenses.
While health care reform is needed in this country, it clearly has not been attempted in an efficient or effective manner. Obamacare, while not the official name for this act, is the more fitting title, as this program has proved to be anything but affordable.