How Obamacare has improved nation's health

December 5, 2013 

Before the Affordable Care Act was passed:

• Sixty percent of bankruptcies in this country were due to medical expenses (and 80 percent of those had health insurance).

• Up to one in five Americans could not get health care insurance at all because they had "preexisting conditions."

• Insurance companies often dropped clients when they needed health care the most.

• When Americans got sick they often discovered that their policies did not cover key benefits like medications or hospitalization.

• Insurance premiums, deductibles, and copays were becoming difficult to afford.

Because the Affordable Care Act was passed:

• Everyone is eligible to get health insurance and those who need help in paying for it can get subsidies.

• Insurance companies must spend at least 85 percent of your premium on your health care.

• Yearly or lifetime caps are no longer allowed on your benefits.

• Older Americans, women and those with preexisting conditions cannot be charged more for their insurance.

• Requirements for preventative care protect everyone from escalating health care problems.

• No one can have their insurance dropped or their rates raised due to health problems.

• Young adults can remain on their parent's policy until they are 26 years old.

• No longer does any American need to fear that they will go bankrupt due to health care expenses.

So why is the Affordable Care Act being attacked so vigorously from the right? Beyond their total disdain for any governmental regulations, they are acting out of fear. Fear that they will lose next November in the midterm elections once Americans understand the benefits of the Affordable Care Act.

Republicans have nothing to offer in its place. They need to end their obstructionism. In order to be relevant, they must begin to work with the president in his attempt to bring affordable health care to all Americans.

James Frazier

Bradenton

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