The problem that the republicans are having when it comes to there so called efforts to repeal and replace the Affordable Health Care Act is that they have chosen rhetoric over substance. They are for more of an attempt to discredit, besmirch, and delegitimize the reputation of President Obama and there by his entire presidency by being able to say, in the not too distant future, that his signature legislation was such a failure that they, the republican, had to save the American people and the entire health care system by stepping in and repealing and replacing the entire law. Therefore, speaking from such a highly partisan and vitriolic mind set, has not allowed the problems with the affordable care act to be defined, which would lead to informed, rational, and reasonable debate. It is with, and only with informed, rational and reasonable debate, that the Affordable Care Act or any legislation can be improved upon. I’m being facetious here, of course, but congress should pass a law making it a crime for any politician of either party, any news person, pundit, commentator, or opinion writer in print or over the air to call the Affordable Care Act… “Obama Care.” First of all, there are any number of previsions in the Affordable Care Act that are currently in the private health care market. These previsions bought to bare by the Affordable Care Act. Are helping Americans everywhere from the VA health care system, to group insurance plans utilized, believe it or not, by the majority of Americans that are not paid for by some level of a governmental entity be it local, state, or federal. There are so many provisions in the Affordable Care Act that have been and are a tremendous help to the millions of Americans enrolled in Medicare and Medicaid.
Now for a clear definition of the main problem with the Affordable Care Act. This problem came about and persist as a result of the portion of the Affordable Care Act that was designed to offer medical insurance coverage to individuals purchasing policies where these individuals are not part of a larger group. The main wild cards in the formation and passing of the Affordable Care Act was and continues to be what would and will be the cost of the two central changes in the way insurance companies are allowed to treat customers. Number 1: No life time caps on the pay out on individual claims. Number 2: no denial of coverage to those with preexisting conditions. Number 3: Children being able to stay on their parents insurance policies until the age of 26. These three factors are the drivers that are driving up the cost of health care premiums in the individual health care plan markets. These effects are especially hard hitting on the cost of plans where the individual is not part of a larger group. The irony of the entire situation is that the main problems that have arisen in the private individual insurance markets are being caused by very popular provision in the Affordable Care Act that even the harshest critic of “Obama Care” want to keep. Perhaps if we Americans would dramatically lower the heated partisan rhetoric, and think clear eyed, we will be able to make the necessary improvements and adjustments to the Affordable Care Act benefitting all Americans.