“Your Health Care in 2017: What You Must Know” an in-depth article that appears in “Parade Magazine”dated December 28, 2016, written by Frank Lalli, provides a detailed account of important points regarding the health insurance industry — before and currently under the Affordable Care Act — including Medicare and Medicaid, and the important changes that could lie ahead in 2017.
This well-researched article offers a great start for a reader to become informed on this subject which affects all Americans in one regard or another.
Warning that nearly 1 million Ohioans could lose health coverage, advocates for the poor and disabled urged Gov. John Kasich to oppose a plan by congressional Republicans and President-elect Donald Trump to repeal Obamacare unless they have a replacement.
I received a memo from my congressman, David Joyce, yesterday. Look to what Paul Ryan is pushing; something entitled “A Better Way”
Now, HSAs, health savings accounts, are not going to be helpful for those who have low incomes or little to no incomes.
Also, currently mammograms, colonoscopies, and prostate screenings are fully covered under insurance plans; I don’t believe that benefit will continue under their “Better Way” plan.
Also, subsidies that are currently in place; I didn’t see that in their plan.
There are reports of going back to the state run high risk pools where historically there have not been subsidies.
Ohio never could set up their own high risk pool. Check out the reports on that from 2005 when Ann Womer Benjamin was the Director of the Dept. of Insurance and it was discussed where it was stated in a September 26, 2005 report:
“State Sen. Lynn Wachtmann the goal is not to deal with the “masses of uninsured.”
There is more to consider beyond the guarantee that a person cannot be rejected for getting health insurance due to having pre-existing health conditions. What about their monthly premiums? Will their pre-existing conditions work against them to determine what those monthly premiums will be?
And, then there are the lifetime caps that insurance plans had in place before the ACA was implemented that were eliminated under the ACA.
Folks need to look at all of the individual benefits currently in place in the ACA (AKA Obamacare — yes they are the same — amazingly some folks still think they are not the same!) and then compare to the provisions stated by Republicans and what they are proposing for their replacement plans. If you don’t see them mentioned, you can’t be sure that they will be part of their plan.
Those who depend on ACA plans, and it can be anyone who has a low paying job with no employer-sponsored health insurance, need to understand what the changes mean for them.
For health and dental insurance help in Ohio, please visit:
“Universal Health Care Action Network of Ohio”
During the U.S. Presidential election we just experienced, we read and heard the words “deplorable” and “irredeemable” that were used to try to put certain people who supported a certain candidate into a separate category.
However, there is another word that comes to mind that we haven’t heard or read about in a while that held a category all of its own that no one would want to be included in if they could help it — “Uninsurable” — meaning not eligible to be insured.
For reasons such as having sinusitis, consulting for a surgery they did not have, or taking an expensive medication, in other words for having non-life threatening health conditions, people were being denied enrollment in health insurance plans in the private market. They were left with no choice but to become uninsured.
The reason for putting the term “uninsurable” out to pasture, sort to speak, is that the Affordable Care Act (originally named the Patient Protection and Affordable Care Act which was signed into law on March 23, 2010, and was fully implemented on January 1, 2014 when the marketplace exchanges began) made being an uninsurable person obsolete.
Healthcare.gov is in place and offers health insurance plan choices so people no longer have to face being an Uninsurable Person — a truly deplorable category that was a reality for some people who had pre-existing health conditions that precluded their obtaining any health insurance in the private market.
On the news tonight it was reported that over 20 million people are now enrolled in “Obamacare” — yes “Obamacare” is the Affordable Care Act! Believe it or not there are some people who still do not understand that they really are one in the same.
So, please, lets close out 2016 by not being deplorable! Lets not stand in the way of those who would become uninsurable otherwise without the ACA being in effect in 2017 and beyond.
Surely in 21st Century America it shouldn’t have to be that if you lose your job, you could lose your health insurance if you are deemed to be an uninsurable person.