Personal Stories - Obamacare

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As with any legislation there will be resulting consequences that are not necessarily the direct or original intent of the legislators or proponents who work to enact a bill. These are often referred to as "negative externalities". According to the drafters of the bill the stated intent of the Patient Protection and Affordable Care Act (PPACA) was "To provide affordable, quality health care for all Americans and reduce the growth in health care spending, and for other purposes". This post is designed for people who would like to share examples, anecdotes and instances where the Patient Protection and Affordable Care Act (PPACA) has failed in its mission of affordability, quality, access and reduction in the growth of health care related spending.

Please only post with true examples of failures, unintended consequences and negative externalities and post with the highest level of detail with which you feel comfortable.

Personal Story 1

In January of 2011 my fiance sought health insurance coverage for her two children. The children were ages 5 and 7 and are perfectly healthy. The insurance representative scheduled an appointment with my fiance and she met with the agent from Anthem Blue Cross/Blue Shield in Bowling Green, Kentucky. At this meeting she was told that due to recent legislation Anthem Blue Cross/Blue Shield was not currently offering child-only health insurance policies. The agent for Anthem Blue Cross/Blue Shield advised that the company would be offering child only policies in the future but the lowest deductible option would be $2,500 when it had only been $500 in the past. After further research and multiple conversations with people concerning her options, we were repeatedly directed to government provided health coverage under the K-CHIP plan. This is an instance where someone with an income high enough to provide health insurance for their children was pushed onto the government rolls due to the recent health care bill. It lowered the number of available options and increased the burden on an already ailing state budget. This is reminiscent of the Harry Browne quote "Government is good at one thing: It knows how to break your legs, hand you a crutch, and say, "See, if it weren't for the government, you wouldn't be able to walk." (Note: The Kentucky Children's Health Insurance Program (KCHIP) is free or low cost health insurance for children. KCHIP is for children under the age of 19 who do not have health insurance and whose family income is below 200 percent of the federal poverty level. For example, a family of four can earn up to $42,400 a year.[1])

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