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I know there are heated debates across our nation about the Affordable Care Act. Everyone is entitled to their own opinion – It’s America, baby. Besides, a life devoid of diversity of opinion would be dull and boring.
This post is about how ACA has impacted me personally. My intent here is to state the facts of my personal experience as I see them play out in my life.
I was one of the fortunate few. The stars aligned and I sailed through the health care website without a hitch on my first try. My coverage was in place on 1/1/14.
This coverage is vitally important to me on several levels. ACA allows me to get insurance without being tied to traditional work just for the sake of insurance coverage. A few years ago I shared a conversation with a friend who could not find an insurance company anywhere to take on all her preexisting conditions. And this friend could afford to pay a heavy premium. At that point, I thought I would be forever tied to traditional work just for the sake of medical insurance due to my preexisting cancer diagnosis.
Then along came ACA.
I work from home now with the flexibility I need to take care of my men. Where would we be without ACA? I’d STILL be rushing to work away from home, attending overnight conferences, and dreaming every night about the daily juggle of family and work. Ronnie would STILL be watching me zip here to there at an exhausting pace like he’s done for 16 years since his stroke. The whole family would STILL be taking turns staying with dad, or he would be in a nursing home. Five or more different people would STILL be taking turns driving him to the next doctor’s appointment, five or more different pairs of ears hearing the latest medical update or medication change—a situation ripe for errors and miscommunications. I’d STILL be dreaming about working from home and praying that my dad and husband would make it through the day without one or both spending hours alone sprawled out in the middle of the floor.
It’s not all hearts and rainbows, however. When comparing my ACA plan to my previous coverage through my employer, I’m paying more each month in premiums and deductibles. Yes I was SPOILED. But I’m adjusting. Every time I have to pay a little more out of pocket than I’m accustomed to, I remind myself of the flexibility I now enjoy. Three months in, and so, far ACA has been a blessing.