Not too long ago, I was uninsured.
Mind you, I made decent (Not GREAT) money as a professional paralegal for a rather large but famously bankrupt telecom company back in 2003. The easiest way for them to retain employees but not have to actually pay benefits was to force them into contracted positions. The contracting company was not obliged to offer health care. Screw it, you were on your own.
No problem, right? I could simply buy n individual policy and have the coverage I needed to maintain well visits preventative care.
You would think that, wouldn’t you?
Not so much. It seems that with my spotty family history of cancer, I was a bit of a risk to the insurance companies. I could pay a monthly premium of something like $1500K for 2 people with a $5,000 deductible, or I could pay more with a lower deductible. So, I had to make a choice. I had to either buy my health insurance or pay my mortgage and eat. I simply couldn’t afford to do both. So I took a chance. I chanced it that I wouldn’t get sick nor would my daughter. It was a risky gamble, but hey…priorities, right?
So, I decided to send an application into the M-CHIP, Maryland’s Children’s healthcare program. It was another gamble I was forced to take. Of course, I was denied. I made too much money.
So, there I was. Too rich to get assistance. Too poor to pay for private healthcare.
What. The. Fuck?
So, last evening the largely bipartisan S-CHIP Bill passed the House. Lawmakers recognized that those who are denying basic healthcare to children aren’t going to win over voters, so they decided that working together is better then fighting all the time. Except our dear leader thinks that people like myself would opt to drop their coverage and hurry up and sign up for M-CHIP. Is he kidding? I mean…Seriously? Dropping even crappy coverage won’t be a viable option to many families. Why? Because many of them don’t even have coverage. They simply cannot afford it, just like I was a few years back.
Those who worship at the Alter of the Free Market mindset will state that all we need to do is lower those damn friviolous lawsuits and the prices will go down. The evil Lawyers are getting too RICH!!!!
I call bullshit. A Market is largely consumer choice driven. If ia company offers a decent product at an affordable price, then consumers will purchase it. However, healthcare isn’t bought and sold like Mp3 players. It’s much more complicated then that. Any industry that has to answer to shareholders has one major goal–increase profits. Insurance companies lose profits when they pay out claims so it is always within the best interest of the insurance company to deny claims and have that pesky terminally ill patient simply die. So, some chimp in a suit is sitting in a cubicle telling an experienced Dr. that a test or treatment isn’t really medically necessary. Since that denial will stand to save a few bucks in some fatcat’s pocket, it was all worth it, right?
Chimpy McFlysuit has never worked a hard day in his life. he never had to make tough choices like healthcare or housing, food or medicine. he never had to work 14 hours on his feet and go home to care for the children. He never stood in an unemployment line. He never knew the indignity of being denied something like healthcare can do for your morale. What does he know?
He knows that his rich friends will benefit from his veto. Their portfolios will thank him.