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I'm 32 years old, and I've had my share of health problems. Between 2 back surgeries, a herniated disc in my neck, getting a severe case on mono when I was 25, subsequent throat infections and having to have my tonsils out, I realized how lucky I was to have health insurance. My job at the time offered good insurance, and even when I lost the job due to the first back surgery, I maintained coverage through COBRA. At the time, I think the premium was only like $180-200 mo.

Anyway, fast forward to April 2011. I had been on COBRA since being laid off in late 2009. The premium this time was $565 mo, but luckily the government had a program at the time that paid 67% of the premium for the first 15 months. But April 1, 2011 I became uninsured.

The job that I had (and still have) doesn't offer coverage. With my preexisting conditions and prescriptions , I had ZERO options for legitimate health insurance that were anywhere near affordable. So, for nearly three years I had to sit on my hands and pay for any prescriptions or doctor visits out of pocket. I avoided going to the doctor at all costs, used Mexican antibiotics, and used the lowest possible dosage of other important, expensive medication I have to be on.

But today (well, actually Jan. 1) my life really changed. I had my shiny, new insurance card in hand as I walked into the pharmacy to pick up my first prescription of the year. It's a medication that has cost me over $400 mo. for almost three years. I was concerned that the insurance may not go through, so I made sure I had enough cash to pay in case it didn't.

But it did!!! $15 instead of $400, and actually free after e manufacturer's coupon. Now, I'll actually be able to go back to a therapeutic dosage and not worry about not being able to afford it. My other prescriptions are generic and will be $5 each.  

I actually shed a few tears of joy when I got back to my car. . I was that happy and relieved.

Oh, and visits to my PCP, $10 copay, specialist $30 copay, and the badly needed bloodwork I'll be getting tomorrow will be $10. No, I don't have some "Cadillac Plan", it's a Silver Plan from the Connecticut exchange. The premium is only $327, but my share is only $101 after the tax credit. It's got a $500 deduct able for non-copay services and the max out of pocket is $2250 annually.

I can see why Tebaggers and GOPers are so terrified of the ACA. Once their constituents start experiencing the benefits of the law, they'll realize how badly their elected officials have lied to them over, and over, and over, and over for the last 5 years.

Yes, I wish the world were perfect and we had gotten Medicare for All or at least a public option. But we did the best we could with people like Baucus, Lieberman, and the GOP in the way. Someday we'll get there.

Thank you President Obama and the other Democrats that fought tooth and nail for people like me! Today my life changed dramatically for the better!

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Comment Preferences

  •  So happy for you, Tommy A. This is an inspiring (9+ / 0-)

    story.  I pray many millions more will join you in experiencing better, more affordable health care coverage.

  •  Well, when you come to think of it, since all (1+ / 0-)
    Recommended by:

    our dollars come from the U.S. Treasury, we do have a single payer. Whether federal bureaucrats or private insurance employees act as accountants and middlemen doesn't make all that much difference, especially when the private insurance companies are capped as to how much overhead and profit they can take. Once all the data is in central registries, it will be much easier to transition into Medicare for all, especially in the states that refused to set up their own registries. It's my guess they are going to come to regret having rejected the dollars up front and let the feds set up the program. Sucker insurance may last for a while, but not for long.

    Obamacare at your fingertips: 1-800-318-2596; TTY: 1-855-889-4325

    by hannah on Thu Jan 16, 2014 at 08:29:25 AM PST

    •  You are correct to the extent that (2+ / 0-)
      Recommended by:
      merrywidow, FloridaSNMOM

      what we now have is similar in a way to how banks were making a fortune by dispersing government money for student loans before they were brought back "in house" a few years ago.

      The tax credits are the the student loan funds and the insurance companies are the banks making a fortune by using free government money.

      If it's a form of single payer, then it is the most inefficient form there is.

      We as a country weren't ready for single payer. It would have been an unmitigated political disaster had the Dems managed to push it through. We would be sitting here with a Republican house, senate, and president.

      But the public option was something that was very realistic and close to happening. But the insurance industry fought against it because there would really be no way they could compete and still continue making more and more money.

      We'll get there someday. The ACA is more of a detour than a step forward to single payer, but it's a detour that still has us headed to the right destination. I don't think that anyone can make a legitimate, fact-based argument that we aren't better off with it than we were before.

  •  I will be signing up in NY. going to home office (1+ / 0-)
    Recommended by:

    to support boss who ended a corp relationship, so I will get coverage that he will reimburse...could not have done this before the ACA.

    Yeah, get out of bed, shuffle to office!!!

    "The poor can never be made to suffer enough." Jimmy Breslin

    by merrywidow on Thu Jan 16, 2014 at 08:54:36 AM PST

  •  Where are the doctor shortage horror stories? (3+ / 0-)

    millions now have insurance, are there lines out the doors?

    I have always had good coverage and I hate going to doctors....doubt I am alone

    "The poor can never be made to suffer enough." Jimmy Breslin

    by merrywidow on Thu Jan 16, 2014 at 08:55:42 AM PST

  •  Congratulations! Sure wish more people (4+ / 0-)

    could read these stories, those who have always had company insurance need to see what others deal with, might help with the empathy and then with the support for the ACA

    most people have some kind of company sponsored insurance so hard to get many to understand what others go through

    "The poor can never be made to suffer enough." Jimmy Breslin

    by merrywidow on Thu Jan 16, 2014 at 09:11:30 AM PST

  •  me too (2+ / 0-)
    Recommended by:
    Sapere aude, Calamity Jean

    Filled my first covered prescription yesterday. Meds I was paying $100 for only $3.00
    I felt the same anxiety at the cash register. Would my new Obamacare card really work? Or was it all just a dream
    Yea! no more choosing between meds and food
    Reality really does have a liberal bias.

  •  Mono (1+ / 0-)
    Recommended by:
    Calamity Jean

    How many young people rack up four figure hospital bills from mono alone? I bet more young people than who get into accidents.

    I'm living in America, and in America you're on your own. America's not a country. It's just a business.

    by CFAmick on Thu Jan 16, 2014 at 12:14:06 PM PST

  •  Total failure for me (0+ / 0-)

    Went for my annual check up yesterday and learned that my Aetna policy which has served me well for almost 8 years was terminated on December 31.  Didn't even get notification of this so I've been without coverage for two weeks without knowing it.  Worst of all though, after spending half a day yesterday looking for a new policy it's clear that the best I will be able to do is double my premium for "bronze" coverage under the ACA.  My wife's Blue Cross policy will go the same way in August.

    People.....this is apparently just starting to filter through the system and I think I can guess what the result will be.  At first glance, my ACA bronze policy is nearly identical to my terminated Aetna policy but at twice the cost.

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