America has the most expensive health care system in the world, but we’re not even in the top 50 countries when it comes to results. Millions of working Americans are unable to get insurance at any cost because they have a “pre-existing condition.”
Even those of us who have insurance risk having rates skyrocket or policies cancelled if we are seriously injured or become critically ill.
Although the new health care law is not perfect, I believe it is a step in the right direction. For the first time, millions of Americans will be able to obtain health insurance, which should result in lower premiums for everyone and in a healthier America.
An article in USA Today indicates that in the 36 states that have already set up health care exchanges, rates have proven to be much lower than was previously anticipated..
Some benefits of the new law are that insurance companies can no longer refuse coverage to those with pre-existing conditions, nor can they raise premiums or cancel polices if someone becomes seriously ill. Companies can no longer set lifetime maximums on individual policies
And, children will be able to continue receiving coverage under their parents’ policies until they are 26 years old!
Additionally, insurance companies are required to spend at least 85 percent of the money collected in premiums on health care costs or refund the excess to customers.
For the first time ever, I received a rebate from my insurance company last year. Also, my premiums did not increase as they have done each year for the past 40 years.
Instead of trying to block this law (which is similar to a popular law implemented by former Massachusetts Gov. Mitt Romney), Republican lawmakers should work together with Democrats to try to change the things that need to be changed so that all Americans can enjoy better and healthier lives.
retired government employee
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