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this post was submitted on 09 Nov 2024
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Leopards Ate My Face
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The ACA is a massive bill that affects basically every part of healthcare in the US. That being said, here are some of the major parts that affect people who get their coverage through their employer:
There is probably a lot more, but those are the big ones for most people.
I hate to tell you, but it's worse than that. Pre-ACA mental health wasn't covered at all except in extremely expensive private coverage for the wealthy, so it wouldn't matter if it was preexisting or not.
Here’s what happened to me before the ACA: I started grad school at ange 22 in a state where my parents’ coverage didn’t work, and therefore had to buy into the school plan through Blue Cross (may they forever burn in hell). For an entire year, I paid for all medical care out of pocket PLUS paid for an insurance plan, so that after a year Blue Cross would go “ok, I guess you paid enough to get on our plan for next year.” This is to say nothing of the ensuing years spent fighting tooth and fucking nail with Blue Cross over literally every medical decision my providers made. Absolutely nothing went without needing an appeal or a peer-to-peer due to “pre-existing condition.” The ACA made some of this easier, but Blue Cross figured out they could do stuff like drop drug coverage from their formulary to “pass on savings,” which brought back the need to do peer-to-peer on literally everything to get a high-copay “formulary exemption,” etc. It’s going to be a nightmare you can’t possibly imagine.
Don't worry, with the FDA neutered, diabetes meds might just randomly not work anyway! Who needs quality control on medicine!? (Depressed /s, because this is liable to kill both of my parents)
Well, with typical no-WFH (telework) US government policies, another pandemic will kill off our government fast.
Bold of you to assume they're not already MAGA. You don't get far in the military without being able to kiss ass and hype yourself up.
Hims.com, no insurance required. I get generic zoloft for $50/month without needing to pay for the $300ish for insurance.
Your employer offers you insurance by pooling its employees together to get a bulk rate. Your employer then subsidizes your plan (in most cases) and pays a fixed amount for your participation.
Essentially, the government did the same thing except it pools everyone who purchases through them.
Fun fact: if everyone purchased through the exchange, it would overall be cheaper for everyone but then tHaT iS sOcIaLiSm!
The ACA ensures you are covered for preexisting conditions, birth control, etc.
back when the aca was new and neat, i was unemployed long enough to need it. back then the govt subsidized premiums enough to make it affordable. earlier this year i was unemployed again for a bit and looked into it again. literally no better than cobra. all it offered now was helping you sign up for a full price policy the cheapest of which was $850/m with no subsidy or even tax break at all. coulda been because i live in texas but i dunno. didnt go through with it