Health insurance is simply out of reach for many Americans. While many jobs offer it, many don’t. Without an offer of coverage from their employer, workers have to navigate the individual market on their own. And it’s tough—especially for those with pre-existing conditions. If they even get an offer of coverage (which they often don’t), it is likely too expensive.
Explains what to tell people about how the Affordable Care Act will help them, depending on their age, employment status, and whether they have insurance.
This past August, my husband, Don, brought home bad news—the company he worked for was closing. We would have to rethink our plans for health care coverage.
We had a similar conversation last year when Don was considering retiring early because the social security checks would actually be more than his income at the call center. By that time, I had been on Medicare for a few years, but I was still relying on Don’s company to cover my prescription costs. So I rushed to sign up for a Medicare plan during the open enrollment period last year.
Millions across the country are benefitting from the Affordable Care Act. However, opponents are ignoring its positive results and fighting its implementation. What they don't want you to know is that the law is already working for Americans in every state.
The creation of a risk adjustment program is a vital part of the Affordable Care Act. It lessens the incentive for insurance companies to enroll only healthy people by helping insurers cover the costs of people with high health care needs. According to Steve Larsen, director of the Center for Consumer Information and Insurance Oversight,
Cancer is a devastating disease that affects millions of Americans. Receiving a diagnosis of cancer is scary for everyone involved. On top of the emotional impact, the cost of screenings, medication, and treatment take a financial and physical toll. During this time, patients and families just want assurance that they can afford the necessary treatment.
Thanks to the Affordable Care Act, they will get exactly that.
This blog was written by Kathleen Sebelius and originally posted on healthcare.gov.
Sandy Kintz of Westport, New York, is a lung cancer survivor, but her daily life is anything but carefree. The former nurse has to use two inhalers and is unable to walk more than 60 feet without stopping because she has such difficulty breathing. She can’t afford all of her prescribed medication and explains simply, “Some drugs I can’t afford, so I gave them up.” You read that right: A cancer survivor has to give up prescribed medication because she cannot afford it. How ridiculous is that?
Knowing is not enough; we must apply.
Willing is not enough; we must do.
When people talk about how expensive health care is, they are often talking about how expensive it is for people who don’t have insurance. The thinking goes that if a person has insurance, they don’t have to worry about high medical bills. After all, that’s why we have insurance in the first place.