The more people insured the better off we all are
The website rollout of the Affordable Care Act undeniably has been excruciating. But I disagree as to the cause of failure as was argued in Erick Erickson’s “Reality of the Affordable Care Act is not positive” (Opinion, Jan. 9).
Erickson’s reasoning that a 26-year-old male does not need to pay premiums covering pregnancy and annual gynecological checkups is the same argument that a 26-year-old woman does not need to pay to cover prostate exams.
The premise of health insurance, like car insurance, is to pool liability, so no one car owner gets stuck with $100,000 in injury damages or no one 30-year-old surfer gets stuck with $50,000 in medical bills.
If all are insured, more can access health and preventative care. Fewer will need to forfeit assets in order to treat an unexpected injury.
With ACA, workers can now be mobile and not tied to an unsatisfactory job. How great is that? The self-employed can pay for health insurance without risk of being dropped due to the diagnosis of a chronic disease after paying premiums for years. ACA now prevents insurance denial due to medical history, even on private policies.
If we take out of the equation the negative opinions of people already on Medicare, Medicaid or covered by corporate-pooled or government health insurance, ask the rest of Americans. I guarantee once we understand what ACA does for us, which has been confusing to decipher through rhetoric, we’d actually say thank you.