By Max: I know ACA supporters are angry that a Democracy sometimes requires an exercise of some kind of 'demoncracy', but in spite of Obama's assumptions, we are not a monarchy (not yet).
Actually, I have yet to encounter anyone who "supports the ACA" from any angle of considering it an ideal system. The support to the AHCA is based on an improvement versus what was a stagnating situation affecting millions of Americans (many being medically needy) who , prior to the AHCA, were either stuck remaining under insured or/and non insured. It is not anger regarding " a Democracy sometimes requires an exercise of some kind of democracy", it is anger about how this leading First World Nation would reverse back to a health care system which had exhibited the trait of restricting access to health care, to include the access to health care care for millions of medically needy folks.
I will give you straight forward what makes me "angry" :
-the elimination of subsidies in all 36 States (which includes my state of residency, Florida) would affect me directly. Directly as in being, once more, a medically needy person unable to afford and access the benefits an insurance plan covering the cost of VITAL treatments necessary to support my extended survival. I benefit of an excellent prognosis but only if and when I can have access to oncology based treatments each time my lymphoma recurs.
- I will content that I am certainly not an isolated case of a medically person. Further, as I am a health care worker, I am fully aware of Americans who had to ration themselves and delay a medical intervention which would have prevented the need for emergent care at a point when their condition reached an acute stage and one where the outcome was either fatal or necessitating much higher cost treatments. When it comes to catastrophic illnesses, the earlier they are detected and treated, the better the outcome and lower cost.
- The poor delivery of preventative medicine : again, under insured and non insured being the individuals most susceptible to abstain from regular physicals and tests designed to detect any predisposition to a condition developing in later age or even detect in early stages a condition which can be easily and successfully treated in early stages versus a poor prognosis in late stages and requiring much more extensive and lengthy treatments which of course will increase the cost.
-Hospitals ERs being,once more, confused for treatments centers addressing chronic conditions when they were exclusively designed to provide emergent/urgent care. Once more, under insured and non insured individuals, relying on ERs to address conditions which would otherwise be addressed and treated via a PCP or specialist.
-Accumulation of medical debts by under insured and non insured medically needy individuals. Even though current ACHA exchange plans still have high deductibles and cost out of pocket via substantial co pays, it is still an improvement over a total cost out of pocket for previously under insured and non insured. As a result, some health care providers are willing to set up a repayment plan via their own billing/financial dept because the due amount by the patient as part of their co pay is far more attainable over the course of monthly payments laid out over 2 years than if an amount reflecting tens of thousands of dollars. The largest oncology/hematology provider in Florida (80 centers, Florida Cancer Specialists and Research Center) has endorsed such repayment plan system which of course, they do not charge interest.
As a previously under insured household, in 2010 we had to assume the entire cost out of pocket of a surgical intervention, related biopsy, imaging tests and other tests addressing a recurrence of lymphoma because our Group Plan declined paying any share of the total cost. End result being us maxing out 2 credits cards and of course paying interests while we are still making payments in 2014. To add, more medical debts last year, when we had to assume total cost out of pocket for the use of an ambulatory surgical facility (outpatient), fees of 2000 dollars per eye. Considering that cataract surgery implies BOTH eyes, 4000 dollars were added to one of our Credit Cards debts.
Comparing with the benefits provided under our current ACHA exchanges provided insurance plan :
1) Cost of the pharma protocol Rituxan prescribed by my oncologist is covered 100% under RX plan. In 2010, we bypassed even one round of Rituxan because there was no way we could have afforded it out of pocket. Meaning we took a serious risk. To be noted that my current recurrence is located in the same group of inguinal nodes, detected in 2010. The usual protocol would have been to follow the surgical removal of the affected lymph nodes with at least one round of Rituxan. Though the actual protocol endorsed by the Board of Oncology is 2 years, 4 weeks of infusions every 6 months.
2) PCP and specialists visits amount to 1/4 for co pay from what I was expected to pay under our previous employer provided Group Plan from 2009 to January 1st 2014. And a Group Plan which was the ONLY access we had to insurance in view of my diagnosis established in 2005. While the employee share of the premium was 560 dollars monthly for that "crumbs" Group Plan from 2009 and on.
3) Imaging tests ,which in my case, necessitate a PET/CT Scan measuring the metabolic activity in all lymph nodes : current plan benefits covering 80% of the cost versus NONE in the previous employer provided "crumbs" Group Plan. Similar coverage for blood panels, CBCs etc...And considering that those blood tests and imaging tests are an absolute necessity while I undergo Rituxan treatments, needless to say that I would be accumulating a huge amount of medical debts if the total cost were to be out of pocket.
The up to date figure(from last week) provided by our insurance company regarding how much we "saved" under our current ACHA Exchange Plan is a few dollars short of 70.000 dollars. Were we still stuck with our previous "crumbs" Group Plan, I estimated that we would have accumulated 64.000 dollars of medical debts from out of pocket cost between January 2014 and now. That is granted we could have figured out a way to pay such a high amount. Which we would not have been able to.
Let me introduce you to the catastrophic consequences not just for me but other millions of medically needy persons unable to access indispensable treatments and medical procedures :
To put it bluntly and connected to existing realities, the outcome for me would have been to wake up each day with the knowledge that I had no access to VITAL treatments. That my type of lymphoma remaining untreated would progress to numerous tumors affecting all lymph nodes to include those located by vital organs. That I was to contemplate the reality of a lengthy process of agonizing death. My fight against my cancer would not have been lost because it is not a treatable form of blood cancer and the outcome is always fatal, but because my access to an adequate insurance plan would have been obstructed. To note that if when I was diagnosed in 2005, the life expectancy for my type of lymphoma was only 9 to 12 years, thanks to the advance and progress in pharma research, it is now 20 years or more granted it can be treated each time it re surges. Statistics continue to improve, reflecting a positive and successful response to monoclonal treatments prompting remission. If incurable, it is easily treatable.
Breast cancer is not any longer the killer it used to be. Between the continuous progress in pharma research and genetic based research, the field of oncology has been able to not only treat BC successfully but also prevent it in women identified at high risk to develop it. However access to such specialized care was restricted and limited prior to the AHCA, for under insured and non insured categories.
The above of course does not fit your depicting of those who "support the ACA". Since you seem to think their anger is motivated by the reasons you developed on. It was necessary for me to introduce you to the reasons why some of us are "angry". I am not even sure that if anger is what I am experiencing in view of the repeated attempts to repeal or find a crack to repeal the ACHA. It is more like a return to fear and profound sadness. The sense of safety and security I have experienced since January 1st 2014 is now compromised by an added "Damocles Sword". As if cancer diagnosed persons and other disastrous illnesses are to be subjected to an added Damocles Sword over their heads. The diagnosis alone being the hell of a Damocles sword.