Thursday, May 23, 2013

How The Affordable Care Act (Obama Care) will affect peoples lives

Our Nation is divided into many ethnic/economic/geographic groups. ACA will affect all of us but was specifically designed to address some groups but not all. The long term welfare poor were the main focus of ACA with undocumented workers as a second strong focus. Medium term employed moderate income workers were targeted to pay for ACA either willingly or through expensive fines for non compliance. Long term high income employed workers were singled out for "income redistribution" by taxing their employer health plans (Cadillac health plans),

Here is how I predict these various groups will actually experience ACA:

The long term welfare poor will not readily sign up for a plan and welfare workers will have to go out and work them through the process. They will soon stop paying their monthly health care payments leaving the plans in the red. They will not go to their primary care physicians for preventive medicine and will continue their current practice of going to the emergency room when they are sick or injured.

Undocumented workers and their families will have to be tracked down by social workers to get them enrolled because they are afraid of ICE and deportation. They too will continue their current practice of using the emergency room and will not continue to make payments on their ACA health insurance

The medium term moderate income employed will grudgingly sign up and pay for a while but will eventually drop payments on their ACA health insurance. They will not got to their primary care professional for preventive medicine and will use the emergency room when medical care is needed,

Long term employed high income folk will pay most of the costs of ACA through vastly increased costs of their health plans and through additional taxes. They will also see increased denial of services and increased cost sharing with medicare.

It doesn't look good economically nor medically and, as usual, retired people on fixed income are the big losers.


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