Who have I seen benefit from the ACA??
My cousins, who frankly resemble nothing so much as a caricature of Rush Limbaugh's stereotype of a welfare queen. They're decent enough girls, and they will at least generally rise to the occasion when the family is in need, but they don't wanna work. They want to surf the Internet and smoke dope all day. Yes, the idea of the working public paying to support their choices disgusts me. f**k them. They chose the fun bits of ghetto life-- they can take the consequences too. I don't love cooking and cleaning and making 'parent' a verb every minute-- it's called adulting. Hubby doesn't love engineering 40, 50, 60 hours a week. He'd rather stay home and hang out on Kongregate all day-- it's called adulting.
My MIL, who might have created 80% of her own financial problems, but did little to nothing to bring her medical situation on herself. She worked hard all her life; it's not her fault that Florida is a right-to-work state and 62 is about the age at which your employer of 15 years finds an excuse to lay you off and nobody else will hire you. Without the exchange and the ban on denial of coverage for pre-existing conditions, she would have been up s**t creek.
Us. Our premiums went up about 60% and our coverage went down (and then we got a new high-deductible plan with an HSA and I'm frankly thrilled with it). But we still benefit, hugely, by not having to drain our resources to pay MIL's and cousins' medical bills or be the jerks who say, "Die faster, then, and reduce the surplus population."
Who have I seen harmed??
Several friends, who worked hard and made very little money and yet somehow always managed to barely get by and even scratch up a few thousand bucks to squirrel away for a rainy day. Before ACA, they would have been in debt for a lifetime if they had a serious medical problem. After ACA, they're bitter and hateful because being forced onto Medicaid destroyed their pride and self-respect and forced them to liquidate their savings, and now they can look forward to being screwed when the car breaks down instead.
There has to be a better way.
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"Alas, our dried voices when we whisper together are quiet and meaningless, as wind in dry grass, or rats' feet over broken glass in our dry cellar." --TS Eliot, "The Hollow Men"