Tuesday, March 26, 2024

As much as I sympathize with this guy's tale of Obamacare woe, his timeline is pure fantasy

 The story is here:

My insurance was $185/month with a $1,000 deductible. That was for a family of 5. So I voted for Obama-Biden in 2008 based on Obamacare. ...  the cheapest insurance I could find to replace that one was $1,200 a month with a $6,000 deductible.

The guy had a great plan before Obama!

But Obamacare as he now thinks he knows it didn't even exist in 2008 for him to base his vote on it.

Obama was for something else, the public option, a government-funded health insurance plan designed to compete with private health insurance. That was also Nancy Pelosi's preference, and the preference of the US House Democrat left at the time.

The great fear was the public option would crowd out private insurance and defeat it because it would be more attractive to women and the chronically ill.

The House public option plan put forward in 2009 competed with the Senate plan, and the two proposals were at an impasse by the end of 2009. Eventually the Senate version prevailed in March of 2010.

The Senate plan was actually worse, what we now call Obamacare.

It dictated the much more expensive nature and new shape of all existing private insurance plans instead of providing a separate public option to compete with those already existing private insurance plans. It cost more to provide because it eliminated pre-existing condition exclusions, and treated men and women equally even though women's care is more costly.

It was fascism pure and simple, government dictating to the private sector what will be, and what will not be.

That's how you lost your old plan, your old doctor, and your money: Because Obama bowed to the Senate plan, instead of fighting for what he said he believed in.

If you were too poor, though, to qualify for Obamacare, you just got stuck with Medicaid, health insurance for the poor, and, failing that, with nothing at all.

The once heralded public option for everyone defaulted to Medicaid. Nearly 86 million are now stuck with that, and most are unaware of its clawback provisions.

Today only 21 million can afford Obamacare, and about 25 million non-elderly adults have bupkis, like the poor fella in the story had for ten years.

Meanwhile, 158 million have employer-provided health insurance, the cost of which climbs relentlessly. The average worker had to pay $549 a month in premiums for it in 2023.

Medicare provides coverage to about 66 million aged 65+, and costs nearly $175 a month in 2024.

The more things change, the more they stay the same.