Who can Afford Health Care Insurance?
Health Care Insurance seems to be getting more confusing, more expensive, more difficult to get despite what the government has been doing to provide cheaper , more affordable and accessible insurance.
My friend has the dreaded condition, pre-existing, which makes Health Care Insurance basically impossible to get through any provider. My friends pre-existing conditions came about by having “normal Health care” which consisted of having children by C Section. Since having children, my friend hasn’t been able to get Health Care Insurance because all providers say that she has a pre-existing condition! Does this sound Fair? Does this sound NORMAL? My friend moved to another state that had just instituted a state sponsored program providing Health insurance to those with “pre-existing” conditions, so she applied. Why should people with pre-existing conditions be penalized and not be able to get Health insurance for something they have no control over? It is not like they smoked, took drugs or were alcoholics? My friend, did get accepted for this state sponsored Health insurance for people with pre-existing conditions. The premiums were expensive when she started but at least she could get insurance. No she says the premiums have jumped to well over $1300.o00 a month and this is with a $5000.00 deductable! Is that what the government deems affordable?
Self employed individuals and retired people who no longer get insurance through work are another group of people I feel so sorry for. They have to pay their own premiums…and I can tell you that I have some experience with having to buy your own insurance and it is not cheap.
Maybe Australia has some ideas we should take a look at. GMF health has provided Australians with affordable Health care for 60 years.