I got an email with a link to share stories about how "Obamacare" has destroyed the health market or horror stories people have had to deal with with insurance.
I left them my opinion.
Here is the website: https://www.whitehouse.gov/obamacare-share-your-story
Dear President Trump:
I am an entrepreneur and want to tell you the Affordable Care Act (ACA) is NOT a failure. It has helped me continue my life while I strive to serve my business interests everyday.
The ACA is a great plan for several reasons.
1. Before the ACA it was up the individual to shop for coverage that was possible to be dropped and/or price gouged. The ACA guarantees coverage and provides a marketplace for coverage overall.
2. Many business people who were just starting their business had to worry about getting their health insurance. The ACA provided a marketplace for entrepreneurs to get insured, even if they were only earning a 1099 (IRS form) based income or in an employment situation with no health benefits.
3. Many providers are now subsidized by a private market instead of the goverment, the insurance companies. Sure the tax credit subsidies that are currently income based eventually ends up at the provider's as revenue stream, but it is way better than goverment footing the bill directly to providers since the provider must now service the patient to prove it is needed in the area with a private entity: the insurance company.
4. Diseases caused by pollution are now more frequently reported due to more people having access to affordable health care
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To address some Republican issues with the ACA:
1. In September the patient or payer does not pay for premiums for service and the insurance company must still cover the costs of the patient until 12/31 of that year. Then the patient just does not pay the rest of the premiums and can enroll with a different insurer.
Solution: Like credit with the financial system, there can be a healthcare credit kept with healthcare.org or a private healthcare payer credit system that keep track of payments. If the patient (or payer) does not pay premiums then healthcare.org can just shut out the patient from renewal in the following year and/or request back payment of premiums before is insurable again with healthcare.gov AND/OR ask for back payment and premium deposit for 90 days that is refundable on the same tax form that is used now in the current system and report-able with the IRS (form 1095-A; thus the deposit would be payable back to the patient when they file their taxes the following year as part of their tax refund balance.)
Deposit in lieu of bad payments is a good idea for those who abuse the system with the insurers.
2. Everyone must have insurance and that is unfair for those who wish to forgo insurance or pay a penalty.
Solution: Insurance can only work if everyone is paying into the system, somehow. If a citizen does not want insurance maybe there can be a tax penalty waver if and only if the citizen makes a tax-deductible contribution to a hospital's emergency room or urgent care yearly or be part of some kind of health-care tax penalty forgiveness club (with club dues that are tax deductible to offset the penalty.)
AND/OR
Have a tax penalty based on income (with a max penalty) as wealthier citizens can just donate the penalty away and lower income citizens can pay a prorated penalty or just have health insurance of minimum need to cover possible expenses thus no penalty.
Sincerely,
Anthony Ostertag
Zip code 27616
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