Making Life Affordable

The Affordable Care Act’s flaws and how we can fix them for the betterment of our society

media.npr.org

I am a seventeen year old whose life is currently focused around school and trying to make the best of my current situation to influence my future. My future depends on how well I can survive on my own, and surviving on my own depends on whether or not I have enough money to pay for all of my expenses. For me to be able to land on my feet out of college, and to move forward into higher paying jobs so I can start my career, I need to be able to survive independently. My generation faces great opposition when it comes to many increases in life expenses such as student loans, but some of them we can reduce to make it easier for my generation to start their lives in the world. One of those things is healthcare.

The Affordable Care Act, also known as Obamacare to many right-wing politicians, has lowered healthcare costs, and has given healthcare to almost 20 million people throughout our great nation. But there are flaws within the law, and the healthcare system in general. Many people under the law still cannot afford health care due to a lack of a competitive and robust market for it. 9.1% of people are still left out from having a healthcare plan that they can afford, because of many curable issues. So if we leave these curable issues now, when will they ever be fixed? This is the time to fix them, because if we don’t do it now, when will we ever?

A person’s health should be one of their utmost priorities, and rising healthcare premiums are liable to force parents to choose between their health and their children’s health. Parents have come forward stating that they have skipped appointments with medical professionals in order to afford the copay of their children’s appointments, therefore sacrificing their health for their children’s.

“We were forced to go without health insurance in order for us to be able to pay for health insurance for our children.”

From Amy Westgaard, a working class mother. No person should be forced to choose between their health and one another’s. The decision of their health over their child’s creates a moral problem that has the solution of sacrificing themselves for their children most of the time.

Obamacarefacts.com

The Affordable Care Act may have lowered overall costs and premiums for many healthcare plans, and increased the ease of access to a plan by increasing the amount of employers that must provide healthcare to their employees, but in less competitive states that have only two or three healthcare providers, the market price is still quite high. There are many solutions to this problem, such as a proposed universal federal health insurance plan that would be regulated and accessible from anywhere in the country. This could force less competitive state markets to lower their prices and stay competitive compared to the federal plan, and even other states. This would allow for a significant amount of people who aren’t currently covered due to high, noncompetitive health insurance plan costs.

Health care is the best for this country that it’s ever been. Some say that we shouldn’t complain about health care costs and risks because it’s the best that it’s ever been. This is the mentality that causes great empires to crumble to dust and ruins. Complacency creates weakness in a society which when exploited forces the society to buckle under the immense pressure of a failing government. This complacency in the state of health care causes weakness in the structure and forces people who can’t afford it to deal with it alone, therefore creating weakness in our society. If we do not fix it now, when will we be able to fix it later?

There are ways to seal these cracks and save the people abandoned without healthcare. The steps to resolve the situation aren’t hard, expensive, or time-consuming. It is only up to both the Federal and State governments to move forward with it. The first step is to expand the pool of knowledge for potential candidates for government subsidies for healthcare. Many people do not know that they are eligible for government subsidies through online purchase of healthcare. A larger population of people with healthcare is inherently a good thing, because it allows for more people to seek affordable treatment and medical services, which leads to an overall healthier population. “ In 2014, the average subsidy on a Silver plan was $276 a month. The average cost of coverage before subsidies was $345 a month for a Silver plan. The average cost after cost assistance subsidies for the 87% of those who qualified for cost assistance was about $69 a month for a Silver plan.” According to Obamacarefacts.com. This is the time to fix these mistakes, because open-enrollment for 2017 health insurance plans under Obamacare runs from November 1st until January 31st. All it takes is for the government to spread the information that many people are currently eligible for government subsidies for online health insurance. The advertisement of the government subsidies would broaden the umbrella of risk for healthcare.

The well being of our great nation is in our hands, and if we decide its good enough, we can never be better

Fixing these very curable problems with the Affordable Care Act would help so many people in my generation to start their lives. The well being of our nation is in our hands, and if we decide it’s good enough, we can never be better, we can never improve, we can never strive to be the best that we could be and improve the lives of everyone around us. The quality of our lives shouldn’t be something that we get complacent with, it should be something that we always strive to improve in anyway possible. This is one of those ways. Together we can make the change.

Works Cited

“ObamaCare Facts: An Independent Site For ACA Advice.” Obamacare Facts. N.p., n.d. Web. 20 Nov. 2016.

“The Fiscal Times.” The Fiscal Times. N.p., n.d. Web. 20 Nov. 2016.

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