Why Insurance Is So Important

Affordable Care Act (AKA Obamacare, and yes, they’re the same thing) went a long way in helping people access medical care. Until the Affordable Care Act, insurances weren’t required to cover a lot of things, and preexisting conditions excluded a lot of people. Is it perfect? No, but it seems like there is no perfect (or improved) plans waiting in the wings, and you don’t rip off a leaking roof to replace it with one that would leak more. If it stayed up at all.

And, to be frank, unless you are wealthy to the point of obscenity, paying out of pocket for health care is impossible.

I’ll use myself as an example. If I had to pay for my mental health care out of pocket-well, it’s a moot point. I couldn’t.

My therapy appointments, at a sliding scale clinic, without coverage, would be $200 a month, with another $50 for any additional appointments to manage my medications. My medications, without coverage, would be about $900 a month.

So: let’s say $1150 a month,  that’s $13, 800 a year.I could rent an apartment with that amount of money.

Where in the hell am I going to get that? And that’s assuming I don’t need any other medical care. No injures, no hospitalizations, no illnesses that can’t be treated with something over the counter.

And other people-say, a diabetic or a cancer patient-would have bills that make my costs look entirely reasonable.

The short version is that we’ve reached a point that medical care is too expensive for the average American to pay for, forcing people to choose between their health and financial ruin, if paying for their care is even a possibility.

A lack of provided health care is just an indication that the American government has no investment or care for the disabled or the health of their citizens, in a depressing and striking contrast to the rest of the developed world.

It makes me feel devalued as a human being.