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This is not strictly true. Health insurance has always been available for purchase by individuals, and the ACA expanded access to this by providing income-based
by dankoss 7y ago
This is not strictly true. Health insurance has always been available for purchase by individuals, and the ACA expanded access to this by providing income-based subsidies. When you lose your job, you lose access to your employer's subsidy and risk pool.
That doesn't change the fact that heath insurance and healthcare is expensive, it's just pointing out that the only way most people can afford to have it is because their employer is paying for most of it. If that cost was more transparent to salaried people, it might spur a more useful conversation about how to bring down the cost of healthcare.
- deleted 7y ago[deleted]
- Loughla 7y agoAt our institution, every staff member is required to be a part of the rotation on the benefits committee. Also, we are required (state funded institution) to send out the full cost of every staff and faculty member to them every year. When the letters go out, people open their eyes when they see the institution spent 1/3 of their salary on health insurance. You can tell when someone is on the benefits committee, because they don't complain about salaries for about 3 years.
- RandallBrown 7y agoDepends on the state of course, but some (Washington at least in 2017) have totally free healthcare if you have no income. It was extremely easy to sign up on the healthcare exchange. The coverage wasn't great, but it was free and better than nothing.
- pjdemers 7y ago>> Health insurance has always been available for purchase by individuals Not true. Before Obamacare, anyone with a pre-existing condition was excluded. "Pre-existing condition" means you ever saw a doctor more than once for the same thing. My family was denied because one of my children was in the hospital for a week AT BIRTH. She was 5 when we applied, and not been sick for a day since then.