The REAL problem with healthcare, for the average, working class family has little or nothing to with the "Affordable Healthcare Act." In fact, many (if not all) of us in the category stated above have seen their healthcare premiums rise in the last two years, with the warning that those premiums will continue to rise.
We pay nearly $400 a month for health insurance. We're a healthy family. Our $400 a month premium will cover nothing until our deductible is reached. Said deductible is several thousand dollars--an amount we must reach every year in order for our health insurance to pay for healthcare. So, let's be generous and say that my family needs to spend at a minimum, $10,000 a year in order for health insurance to actually be worth the money spent on it.
Of course, if we had chronic illnesses, a rare disease, or a catastrophic event that required expensive treatment, this would be quite necessary, but for the "average working class family," this cost holds us back significantly. While we "only" pay $400 a month, I know of many families who pay closer to $700 a month, and even some that pay $1000 or more a month.
And now, with the ruling this morning, with the government in the pockets of insurance companies, the government expanding medicare and medicaid coverage, "average working class families" will be responsible for picking up the tab. With food prices increasing yearly, gas prices debilitating the economy, and now healthcare costs choking families, it is no wonder that the economy is unable to grow. No one has anything left to spend! People are scared to spend; the next year will bring only higher premiums and deductibles, and knowing that regardless of how much they spend on their monthly premiums, a preventive hearing test for a child, or a blood test, will easily put them back an additional $500.
Civil disobedience is sure to follow the ruling this morning. Many religious institutions have already filed suit, and now, many more organizations will follow, unwilling to cover the services now required by the law. This is the REAL problem.
(At the midterm elections, our State Representative was voted out of office after 35 years in service. He voted for this bill, betrayed his constituents, and paid the price with his seat in the house. I think we'll be seeing some more of that in November.)
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