As healthcare costs have risen, the solutions tried have created new problems. For some, healthcare is more accessible now, while for others the costs have skyrocketed. The Affordable Care Act made health insurance mandatory (or we pay a fine), but since the cost far exceeds the fine (by ten times or more!) more and more people are paying the fine and left uninsured. We’ve simply given health insurance to one group and taken it away from another. Jump to my solution process.
But it’s worse than that. As healthy people exit the system, the fines they pay at tax time do not make up for the lost premiums, so insurers increase the premiums for the rest, which then causes more healthy people to exit the system, which of course means lost premiums and this continues until the whole system collapses or else the penalty for not having insurance is raised to tens of thousands of dollars. Here is our latest letter from our insurer, raising our premiums for just my wife and myself to $16,050 per year from $13,064. We used to pay $4,800 per year not that long ago, which was still a lot.
Some people seem to want a Congressman that is wealthy and doesn’t have these problems. Maybe you’ll think I could get a better deal or I must be doing something wrong. But if you want someone who understands how ordinary people live, that’s me.
Now, if I took a job as an employee, this would be less. But my work is similar to being a plumber, electrician or building contractor, and while it pays better than working as a clerk in a store, I don’t get employee benefits. Like lots of folks in our district, I get paid by the hour, and more companies are seeking contractors so they don’t pay benefits and they can get rid of them without unemployment claims. And my work is naturally about moving around solving problems, too.
I’m going into this because some people think every problem is the individual’s fault. But while we may all contribute to the costs in some way, or have voted the wrong people into office, some folks are going to work on a contract basis, and the current healthcare system costs are too much.
I have some ideas on how to improve things, and since I’ve been working for a healthcare provider lately a few ideas have come to mind. I’ll write those soon but in the meantime we need to get people into office that aren’t paid by healthcare providers, or any other special interest. Send me.