Obamacare: What Does It Do For The Poor?

I’m sure you’ve all heard about this thing called the Affordable Care Act, and if you’re one of the 37% of Americans who don’t know it’s also known as Obamacare.  Now if you’ve been here for a while you know that I’m pretty critical of Republicans, and also of Democrats, and of Independents, and Gr—okay, y’know what I’m just pretty critical of anyone in office, running for office, or voting.

Now during the presidential election I wasn’t too keen on Mitt Romney, because I think there are few things worse than a Republican president.

Unfortunately one of those few things worse than a Rep. president, is a Democrat president.  Here’s my philosophy:

I am in the poorer multitudes of the nation.  I was born poor, I was raised poor, I am still somewhat poor, I support minority and female equality, and I’m not particularly religious.  Republicans come right out and tell you that they hate the poor and non-religious, and especially minorities and women.  Everything they say and do suggests that.

Democrats come out and say that they love the poor, non-religious, women, and minorities…and they jump right in line with the republicans to favor giant, fanatical-Christian, corporations and organizations.  When a Democratic president appoints a Spiritual Adviser, you know you voted for the wrong person.

Anyway before I start a riot let me to get to my point: Obamacare.

Obamacare sucks.  I don’t have health insurance and in the past 5 years I have only been to the doctor once, and it was Emergency Care.

So let’s look at and compare getting insurance versus not getting insurance.

When I wound up in the emergency room, the prices were ridiculous: $230 just to talk to the doctor and another $430 just to be taken to a back room and have a nurse check my pulse.  So that’s $660, total.

So I’ll admit, in 5 years’ time, I’m $660 in the hole to start.

So now let’s look at what an Obamacare plan would get me…

If I get a Bronze plan which pays for about 60% it would cost me roughly $119.19 a month, that equates to $1430.28 a year.

So in 5 years’ time that would equal…$7151.40 that I would have paid for insurance coverage.  And before you talk about the premium subsidy, my state doesn’t cover my income level for the subsidy, so I have to pay 100% of the premium (trust me, I’ve checked).

But, on the positive side, my $660 hospital bill would have only been about $264.

So in 5 years’ time I would have only spent $7415.40 in medical costs.

Whereas in real life I only spent $660 in 5 years’ time.

However, the Obamacare law makes it required to have insurance.  If you don’t, you have to pay a penalty, based on your income.  My particular penalty would be, as of 2016…$650 a year.  That winds up being $3250 in 5 years’ time, but I’d have to pay 100% of my medical expenditures.

So without insurance, under Obamacare, I pay $3910 in the same 5 years’ time.

Before Law: $660

With Insurance: $7,415.40

Without Insurance: $3,910.00

Cost Difference: $3,505.40 more with insurance

Now the argument I always hear is, “What if you get hurt really bad or really sick?”

What’s it matter?  If I get hurt at work, workman’s compensation covers it.  If I get hurt in a business, their liability insurance covers it.  If I get hurt in the car, my car insurance will cover it.  If I fall off a ladder replacing a light bulb, I have medical liability coverage on my homeowner’s insurance.

Basically as long as I don’t get hit by a meteorite while jaywalking in another borough, there’s something out there that covers my injured ass in case of an accident.

Now illness is a real issue, that’s what took me to the ER a few years ago.  I had a throat infection (Strep Throat) and it caused my esophagus to swell shut, I began to asphyxiate and had to get antibiotics and steroids to keep from blacking out (and eventually dying).

There’s cancer, strep, hep, food poisoning, malaria, bronchitis, all kinds of things that can go wrong.  So let’s go for gold…I get cancer and it costs me $50,000 in treatment.

Well guess what?  My Bronze plan only covers 60% of that, so I still have to pay $20,000 out of pocket, not to mention the $7,415.40 for the premiums.

That’s a total of $27,415.40 for 5 years of cancer treatments.

After taxes, that equates to 186% of my yearly income.  So that means, if I saved 1% of my post-tax income every year…it would take me 138 years to pay that off, and that’s assuming they aren’t going to charge me interest or up my premiums for having cancer.  Remember, Obamacare says that an insurance company can’t refuse me for having a pre-existing condition, but it doesn’t say they can’t charge me higher premiums for having cancer.

So if I don’t have insurance, there’s a chance I’ll wind up broke and penniless.  But if I get the insurance, I’m guaranteed to wind up broke and penniless.  And now Obama’s stupid law has weighed things down to make sure I wind up broke and penniless a little sooner.

All the Affordable Care Act does is help insurance companies.  If the government is going to require a free citizen to own or have something, then it should be paid for by the government.

You can reason the legal requirement for car insurance because owning a car is not necessary to life.  If you don’t want to pay car insurance, don’t drive a car.  If you don’t want to pay homeowner’s insurance, then rent.  If you don’t want to pay health insurance…uhh, then die, I guess?

If health insurance is required, then it should be free; regardless of income.  I don’t care if you make ten grand a year or ten million a year, you should be able to walk into a hospital and receive free medical care in a timely and efficient manner.  I’d rather just pay an extra 2.5% of my yearly income in taxes and be able to see any doctor, any time, for any reason.

Republicans call Obamacare the worst thing to happen to America since the birth of the Democratic party; Democrats call it a stepping stone to a better system.  But in truth it’s somewhere in the middle: It’s certainly not what we need and it’s actually moving in the wrong direction.

~RCS

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Mom?

So I was watching television (they changed the channel on the TV in my building, it’s CBS now instead of CNN) and last night I caught the repeat of the new CBS show Mom, starring Anna Faris and Allison Janney.

It’s the story of an alcoholic who is just starting to get her life together.  She’s celebrating 180 days sober in AA and she works as a waitress in a fancy Napa Valley restaurant.

At least it's not the woman eating the banana, half naked.

At least it’s not the woman eating the banana, half naked.

She also owns an impeccably clean (for a single mother) and well-furnished three-bedroom (minimum) house.

The series has some funny moments, mostly coming from French Stewart’s character as the eccentric Head Chef, Rudy.

But mostly it’s a very ingenuine crapshoot.  The whole backstory is that Faris’ character, Christy, has led a miserable life.  She dropped out of High School, presumably when she got pregnant with her daughter Violet.  She’s clearly spent her life working in minimum wage jobs, in and out of jail it seems, and probably has bad credit.

So how can she afford such a nice house, with a yard (she’s boinking her married boss and when he shows up at her house she comically throws him off the porch and she even has sprinklers in her yard go off on him).  So that’s a 3 bedroom house in the suburbs, with a giant living room, a full-size kitchen with a nice table, her son is seen playing what seems to be the latest Grand Theft Auto game that was just released on a 32 inch flat screen television.

Is this the kind of house Republicans actually believe poor people live in?

Is this the kind of house Republicans actually believe poor people live in?

How does she afford all this on a waitress’ pay?  Especially when it is implied that she’s not a very good waitress, so I doubt she’s taking home thousands of dollars in tips every night.

She’s also living in or near Napa Valley, California…a very expensive place.  The cheapest 3 bedroom house I can find in Napa Valley costs $110,000.  Even if you assume she’s renting one…$1,375 a month.  If she works full-time at server wages and takes home $50 in tips a night she would only make 1400 a month.  Take taxes out of that and she can afford all this, how?

Not to mention all of the designer clothes that Faris’ character wears through the show.  Now I realize it’s because it’s television and everyone wears designer clothes, but you could at least make it appear as though she was wearing a dollar store shirt or something.

I grew up in impoverished alcoholic homes, they are not as fanciful as this shit.  And it’s something that television does a lot, characters who are so ingenuine in their portrayals that it’s just not worth watching.

I wish my kitchen looked that nice!  Maybe I should try this whole alcoholism thing?  Seems to be pretty profitable.

I wish my kitchen looked that nice! Maybe I should try this whole alcoholism thing? Seems to be pretty profitable.

Reba McEntire’s old show, which is a great show by the way, was another one that was weird like that.  She lived in a giant mansion of a house, but she didn’t have a job, or at least not one that would afford that house.  But that was at least explained by the fact that her ex-husband was a dentist and paid a lot of alimony.

Christy doesn’t have dentist alimony, unless that Boss of hers that she’s shtoopin’ is paying for her house, so how can she afford all this crap?

I know I’m certainly putting the television on mute when I have to run the desk and it comes on next week.

If you’re still interested in seeing the show, here’s the trailer for it.  I’m a little ashamed at the fact that the biggest complaints about the show I’m seeing is that people are upset it uses a laugh-track in the trailer.

~RCS

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