June 29th, 2012

planet

a quick note on obamacare

I almost left an entry-sized reply in a friend's lj and figured I'd come over here and write my own.

I am really glad the supreme court upheld obamacare. Even though I have company-paid healthcare, it benefits me a lot as a woman of childbearing age... I can't blow away my lifetime maximum by accidentally having a premature baby! I can't have a baby with a "preexisting condition" that throws her off the insurable list for life. I can use my HSA to buy a new breast pump.

These are things that I feel entitled too, okay? That's just it. My kid could grow up to be your doctor someday. There is no reason for society to make me gamble my life savings to get pregnant... I'm doing something that helps you. That's what "the public good" means... we strike a balance, we find out when we're being unfair to people who are helping our society... I support immigration reform for those same reasons too.

From what I hear muttered around me in my very conservative state, there's only one main reason why people hate healthcare reform: they're afraid that lazy freeloaders will be enabled to continue to be lazy freeloaders. They're afraid of paying for someone else (as if we're not already), and convinced that most people without healthcare could get it if they weren't so stupid, and a great way to get out of doing work yourself is to ask the government to cushion you again. Honestly, I think that's the attitude.

Maybe it's an age thing. I feel like previous generations had housecalls and $10 copays and faced creeping premiums for years but they made do. On the other hand, my generation was hit with it like a baseball bat as soon as we got out of school and half of us couldn't get insurance. We were the ones who were set loose from our parent's plans entirely, and faced a reality that all our savings and hard work could be blown away with a single car accident. The system was set up for groups of workers at large companies, because they're easy to deal with and healthy enough to work. If you were outside of that, you faced these $1200/mo personal private plans that were unmanageable... we just didn't see a way in. We weren't lazy. Just left out. I feel like I came very close to being a "have not" - and I won't forget it.

But now companies will finally start accounting for people outside the system, which I see as a breath of fresh air. Finally something is being done.