Health Care

I am having a bit of a problem with the new health care laws.

Honestly, when I first heard about ObamaCare I though it was a great idea. Affordable health care for everyone! Yeah!

...I think I and the government have a little bit of a different of opinion on the word "affordable".

For starters, what the heck is up with the website? It sucks! I would expect more from a site like that. Secondly, apparently the website couldn't figure out my stuff because it told me I need to call this 1-800 number to get my quote. Who has time for 1-800 numbers? Also, if the website is so crappy, I'm gonna be even more apprehensive about calling because I can only imagine the lengthy wait times. Thirdly, my account has now been blocked "due to multiple access attempts" um, I'm sorry that I have SO many username/password combinations that I can't possibly remember them all. 3 attempts and then your account is locked "forever" is pretty extreme if you ask me. Because I have tried to log on several times since I was given the message to call a 1-800 number to see if maybe the website had fixed its issues and maybe I didn't have to call anymore. But nooooo, instead of the problem being fixed, I'm blocked. Thanks Obama! (That last was a reference to Jenna Marbles 'thanks obama' youtube video. here's the link, because she's hilarious. http://www.youtube.com/watch?v=jkQxHlr2fXM ENJOY! But for reals, I think this one is actually Obama's problem.

Since I can't access the ObamaCare-sanctioned website, I decided to look into private health insurance sites. Now I'm really upset. You're telling me you want me to pay $165 a month for "just in case" insurance? Oh yeah, and then there's a $500+ deductible. Uhhh...no. I was more looking for like a $50 a month plan. You know, since I haven't been to the doctor in over 6 years, have no preexisting health conditions, am a young (23 year old) non-smoker, who is actively NOT trying to get pregnant. (I threw in that last one because I feel like if someone is on birth control they should get an extra discount since there is almost no chance of becoming pregnant and incurring the related doctor visit costs.) I also exercise regularly, eat healthy, (healthily? healthfully? sp?) and am not obese.

To further rant, the "crappy insurance" (because $165 is so cheap it covers almost nothing) wouldn't cover dental, doctor visits, or prescription meds. Basically everything is coming out of my pocket, unless something totally catastrophic happened like an extended hospital stay or major surgery, only then would I really NEED insurance so I wouldn't be left with crippling debt. I don't see anything like that happening anytime soon. I would like just in case insurance, but I feel like it shouldn't cost that much money.

In my opinion, I have a much higher chance of getting in a car wreck than needing to seek medical attention for some reason. My full-coverage car insurance is only $77 a month, and that's with 2 speeding tickets on my record. But you want me to pay $165 a month for something I haven't had to use in 6 years. NO THANKS! I know there are slightly better rates on the ObamaCare website wahealthplanfinder.org If I remember correctly the least expensive plan was $120 with a $5,000 deductible. Don't quote me on that, I am going off of memory here from a few months ago when I first checked. I am not paying that! Especially not the first year when the penalty fee is less than $100. I will just pay that for now. When it goes up? We'll see then. Hopefully whoever our new president is next term can iron out some of these kinks in the system.

By the way, I feel extremely under-informed on this topic, and I hate spouting out random, wrong, facts. So I welcome feedback on this topic (all topics I post about, but I am particularly interested in learning more about this one). So please let me know if I am missing something, or if you just want to discuss this subject further.