Letter: It’s about personal responsibility
I have been reading the letters to the editor about the Affordable Care Act. Perhaps I am mistaken, but I believe if you already have health insurance offered by your work, including the federal, state and local governments, and the insurance coverage meets the requirements of the ACA, you can keep the health care you already have. So it is misleading to say that if ACA is good for everyone else, then the aforementioned should be made to purchase it.
It is my understanding that the ACA was created for those who are not covered by the companies they work for, the self-employed, or for anyone who wishes to change their existing plans for a better deal.
As for certain businesses dropping their workers’ hours to below 40 per week in order not to offer health insurance, this is not the fault of the ACA—it is the fault of the businesses that prefer profit over a healthy worker. I say, "Shame on them." These businesses have been looking for an excuse to drop coverage for their workers for years.
I have also read in the letters to the editor that the IRS will now be in charge of your health coverage. Again, this is just not so. The only thing the IRS will be involved in is the fine you will pay if you can afford to purchase health insurance and refuse to do so. The IRS will not be making any health decisions or acting as ‘death panels.’
We all know that health insurance companies have been playing God for many years, deciding between treatment for their subscribers or profits for their stockholders. Those of us who are responsible citizens and have health insurance pay an average of $1,000 more in coverage each year than need be. This is to cover those who do not have insurance. Also, our tax dollars go towards paying the bills of the uninsured.
I don’t know about you, but I feel it is only fair to have everyone who can afford to purchase insurance to do so. Why should others pay their bills? Some say, "I am healthy and I do not need it." Please remember, you are only a breath away from a devastating accident or illness. We cannot foresee our future. Who will pay for those monstrous hospital and doctors’ bills if you are not insured? In some cases, the charges could run into the hundreds of thousands of dollars.
Yes, it is sad that people have to be told to purchase something that will be good for them, for us, and for the country. Unfortunately, it has come down to this. People just have to take personal responsibility for their well-being. Buying insurance is one of the ways to be responsible.
Many say their liberties are being taken away from them. Perhaps they are; however, our hard-earned money is also being taken away from us when we have to pay their medical bills. I have not seen one ad on the television from any health insurer complaining about the ACA. The enactment of it will be good for their business as they will have more customers.