Originally Posted by
exochaft
I know someone that got kicked off their plan during treatment for cancer and had to stop treatment for a year, but I'll let that one slide as it's not a personal story.
My family got kicked off our plan that wasn't allowed to exist under the ACA that was pretty much full coverage for $300/month with $250 deductibles, only thing comparable in coverage after ACA implementation was $4000/month with $1000 deductibles. Had to get the one-size-fits-all plan that many practitioners don't even take because it was the only thing affordable, and fortunately(?) I had the VA to fall back on... although if you want the model of inefficiency and long wait times, the VA is for you if you need anything other than a regular check-up. I got constantly get told by VA practitioners, "I'd like to give you X treatment which would likely work well for you, but I'm not allowed to, so you'll get Y treatment and hope for the best." The result was that I had to stop getting treatment from the private facilities (which didn't take the new plan) and is likely the direct cause of my ability to walk declining to potentially not being able to walk anymore since I can't get the treatment I need.
However, both are not really the point I'd like to make about this. The goal of the ACA was to insure more people, but it didn't, it shifted who got covered more than anything else (shifted them into Medicaid if I recall, where they took funds to make the ACA seem more cost-effective, but that's another discussion). So while we may have stories of people who got life-saving treatment due to the ACA, there are just as many stories of people who lost life-saving treatment due to the ACA. In reality, the ACA didn't fix anything or even its initial goal while giving the government more control over healthcare/insurance matters and adding more taxes.
The ACA was designed more as a regulation of health insurance, not healthcare, which gets confused quite often. Everyone in the US has access healthcare, you can walk into the ER or a MinuteClinic/Redi-med/etc. and get healthcare, it's just a matter of what you want to pay. The ACA did have some parts taken from single-payer systems as it was likely the end-goal in later legislation, but the problem is that single-payer systems likely won't work with large population countries at all, and I'd argue that it's not the responsibility of the US government to even run such programs to begin with. Even the 'clean' version of the ACA was a mess, as most lawmarkers who passed the law admittedly didn't read it, can't blame them because it was massive. Doesn't help that even officials in the administration admitted to lying to people about the content and effects of the ACA (if you have to lie to get something passed, it probably shouldn't be passed). If people wonder how such a bill came together so quickly despite being so large while no one reading the entire thing, it's usually because K Street lobbyists have pet legislation always written up for when they can get a politician to push their agenda, so the bill was probably mostly written prior well before the ACA topic even came up. Massachusetts tried something similar with MassHealth, and it's just a much a mess and always operating in the red every year and the deficit keeps going up according to their own state government reports annually. Medicaid is another example (which is likely what people get when they get the "free" healthcare due to the ACA), where in my state most places don't even accept it.
In reality, most people don't need healthcare insurance as sold by daily narratives, especially if you're young. If you're low risk and want to protect yourself from major accidents or sudden serious illnesses, that's what catastrophic plans are for (and why they're cheap as most people don't even need those). As one gets older, you might consider more robust healthcare plans as the chances of health issues come up. What I find rather interesting is that people have this notion that you need insurance for regular wellness visits or yearly check-ups, but that's not true at all. This is actually a much more recent phenomenon, and likely the reason people don't see price increases because it all happens in the background. Most people would likely save money in the long by just paying out of pocket for the simple medical care and have catastrophic insurance versus having insurance paying for such mundane visits as those monthly premiums still exist despite most people forgetting about them at the check-out counter.
I get that there are many problems with the insurance system and prices of care, but the solution is not to have government say that they can do it better (look at the VA, it's terrible compared to private care while servicing barely anyone compared to the national population size). The government or a panel of 'experts' cannot and will not have the efficiency and intimate detailed knowledge required for individuals to get the best care they need, which is why such matters are best left as close to the individual as possible. If anything, I'd venture that many insurance problems and price of care issues are the result of government intervention/regulation and cronyism with politicians over the years. It's pretty common that there are staunch defenders who blindly follow one political faction in these forums, but consider this: do you really want to leave such important matters in the hands of the supposedly evil/inept/corrupt/<insert negative descriptor> of your opponents? The reality is that you should never consider the federal government your friend and trust them as a whole, even if you like those in power, as the federal government was considered a necessary evil when the US Constitution was made due to all of human history showing what happens with large centralized governments in general. People should ask themselves if they want the federal government to tell them what they want and need, or if they themselves would know what they want and need better than the federal government.
As a slight aside, since ancient times it has been known that the easiest way for a government to exert control over a populace is through government-controlled healthcare (was discussed by Plato even). People praise the governments for caring and having a heart while those in control are slipping them into shackles. At that point, you have to pray those in power of the government won't abuse control over you. Trying to think of the exceptions, the most popularly known authoritarian dictatorships actually have universal healthcare for their countries. This was something even the Nazis wanted for their own people, since people love talking about Nazis nowadays. The ruse is always the same: blame the private insurance companies and/or hospitals for having too high of prices, convince the people that their magnanimous government will take over and solve all their problems because it's their right, sound familiar? That isn't to say everyone has an evil agenda and that prices can't be high (and typically, the prices were high because of government involvement anyways), but once the government has control over every facet of your life, it only takes one evil person to abuse that power.