Some pretty cool things have happened in healthcare

For a few years, a couple of cool things have taken shape in healthcare. Insurers are required to issue coverage and can no longer drop you if you have a health issue like diabetes, depression or chronic leukemia. This is of huge importance.

The insurance companies are limited on the percent of profits off your premiums and must refund excess profit which they have done for the last three years. They also can no longer limit lifetime benefits, which is huge if you have a major problem with ongoing complications.

The insurance companies must provide preventive benefits without deductibles. Plus, kids who are under age 26 can stay on a parent’s plan if needed. Previously, the kids had to be in college.

To top it off, people who make as much as $96,000 with a family of four can get their premiums subsidized, in part or in fall, depending on your income. Like all healthcare insurance it can be confusing, but it is a good deal for many folks. If you do not have coverage, you should look into it. You can learn more at


15 thoughts on “Some pretty cool things have happened in healthcare

    • Thanks Hugh. While it is working pretty well, it could use some improvements. We have a bad habit in government and business of giving up to soon, when improvements could fix the shortcomings. Keith

  1. Sounds like things are deveoping! Over here the costs for insurance is getting higher and highter. I have a normal policy and pay 500 Swiss Francs (almost equal to US Dollars) each month. Now imagine a family! Since my daughter has her own job. It is only the four uf us: Almost 1’300 Swiss Francs!

    • Erika, this issue of aging hits everywhere. Plus, one of America’s unfortunate exports is obesity. Here we are overprescribed and over tested which drives cost. Under the ACA, we need some more healthy risks to sign up to balance the poor risks who did. Thanks for commenting, Keith

      • That is right. I remember getting a whole lot of meds and called to come in for after checks again and again… we don’t have that over here.

      • Here, if you do not leave the office with a prescription, people get perturbed. My favorite doctor story is about a female general practitioner who stood out in insurance claims data for under prescribing medication. When she was asked how she did it, she had a very simple answer. She said I would tell the patient this will likely clear up on its own in a week, but in case it does not, here is a prescription that you can fill later. More times than not, the patient would never order the Rx, but they left the office with the paper in hand and felt equipped.

      • But that is somehing different. It is just crazy when you get antibiotics only when you have a running nose. I know doctors over here who desctibe that pretty quickly.

  2. I guess those who need it better get it now while the getting is good. Who knows what 2017 will bring. Our governor here has cut NYC budget by 800,000.00 I was hoping to be eligible for extra help again. But I guess that answers that.

    • I cannot see a GOP president eliminating the ACA as it would harm too many, as well as the economy. The new Tea Party governor in KY has already backed off a campaign promise to roll back Medicaid expansion. Sorry for the cutback there. Best wishes, Keith

  3. Good news and Healthcare in the same sentence? I damn near fainted. People only hear what they want to hear. If they looked at these facts they would be a lot happier. These are indeed huge improvements and they should be acknowledged.

    • Thanks Lisa. You always need to look beneath the polls and who did them. Kaiser has noted while Obamacare still staggers with less than 50% approval rate, when the name is not used the ratings increase. When people are asked about specific provisions, with the exception of the mandate, the majority of folks like the law. But, what Congressional leaders are not listening to is the surveys say Americans want to keep it and make it better, not repeal it. What the public does not know, because of the constant criticism from the right, is the ACA is working pretty well, yet does need to be improved. Expanding Medicaid in the remaining states would be a huge benefit to people in need.

  4. Note to Readers: I just read an article on how uncompensated heathcare has fallen as a result of the ACA, especially in states that expanded Medicaid. This is a good sign for the health of hospitals whose cost burden for indigent and uninsured care has declined.

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