Stephanie Pearce: Obamacare nightmares and alternatives
April 5, 2015
I am so grateful to have a job that provides wonderful benefits, such as great insurance at a reasonable price and a 401K, but I haven't always been so lucky. Unfortunately, the people who need insurance at a decent price are the ones who work for minimum wage or not far above minimum wage and insurance is expensive. Even with Obamacare, I've heard several of my friends say they are paying the tax penalty because they just can't afford it. I have been there making nine dollars an hour and paying half my paycheck each month for insurance. I honestly don't know how some people do it and my heart goes out to you.
If I had to buy insurance through Obamacare, I know I couldn't afford it either. The people making these decisions for us obviously are out of touch with reality. Paying even $200 a month for insurance can be hard on a family of four that makes less than $20 dollars and hour. They obviously have lived on government salaries with government benefits for too long. They have no idea how hard it is to make it on an average paycheck.
Then there are the deductibles. Don't get me started on those. I am grateful that mine only makes me pay a percentage of the bills until I reach the deductible then it's all paid for me. There are those who have to pay $500 to $5,000 deductible before anything is paid for. How is that helpful?
Making health insurance mandatory with the choices given doesn't seem to benefit many. I feel like those who truly can't afford any insurance are covered with Medicaid and Medicare. The ones who truly deal with this burden are those who need insurance coverage the most. It's people who don't have the high wages, but make too much for government subsidies (I'm not talking about the discount on Obamacare either).
I don't have all of the answers, but I do know where we can get some of them. At 7 p.m on Thursday the Bears Ears Tea Party Patriots are hosting speakers who offer alternatives to Obamacare. There are alternatives out there. They aren't scams and they aren't expensive with high co-pays and outrageous deductibles. There will be speakers from a few different groups with alternatives as well as speakers from our local hospital to explain in more detail how Obamacare is working.
I encourage you to attend and ask questions. Even if you have insurance and this doesn't affect you right at the moment, there may be a day you or a loved one could use this information. Come with questions and curiosity. Come because whether you think so or not, Obamacare does affect each and every one of us even if you have great insurance. It's a United States law.
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I will be there to gather information for my friends and family. I hope to see you there.