“More peace of mind for the low price of just $522.78 per month.” That was the thrust of the latest advertisement received at my home concerning the benefits offered by the Affordable Care Act (ACA). The advertisement was sent to my wife by The Kaiser Permanente Health Plan, due to the fact that neither my wife nor I have signed up with the new program yet, and never will.
The advertisement states that based upon my wife’s age, and the zip code she resides in, that she is eligible for Kaiser Permanente (KP) CA Bronze HSA 4500/40%. This means that a $4,500 deductible will need to be paid by my wife, and then she would be responsible for 40% of the billed charges.
I have two questions concerning this offer, first, if we lived in a different zip code would the plan being offered be different, that practice use to be called redlining, and second, how would survival be possible for her, and other people her age living in the same zip code, receiving a similar amount of Social Security Benefits, which at the present time amounts to only $663.00 per month (fortunately, she does not have to depend on it).
The time has now arrived for people to grasp the fact that the Affordable Care Act has developed into a financial boom for the insurance industries. Instead of a plan which is controlled by the Federal and/or State governments, the public is being forced into the purchase of insurance policies from the very companies which were being vilified for price gouging and lack of care for their customers.
I have personally believed for a long time, the best improvement for the current health care system would have been for an expansion of the currently existing Medicare and Medicaid health programs for providing coverage for the chronically uninsured and under-insured.
As for me, I will not be told that I have to buy health insurance or else suffer the financial consequences. This whole story vaguely reminds me of when the King of England told the colonists they could only purchase their tea from the East India Company and the price the East India Company wanted. I just may purchase an Affordable Care Policy in order to tear it up and throw it into the Pacific Ocean.