Her 90-percent copay would rise to 80 percent. Instead of being responsible for only 10 percent of her medical bills, after the deductible is met, she would be responsible for 20 percent. Her maximum out-of-pocket costs would soar from $2,000, after deductibles, to $12,000.
Her premium would go from $400 to $884 per month — an increase of almost $6,000 per year.
If she or one of her children were to get ill, as her husband did, her out-of-pocket costs would run about $24,000 a year.
Surely there are subsides for people in Rebecca’s position?
Not in her case.
If her three children were younger, she would be eligible for a $6,000 tax credit. But her two oldest kids have just entered the workforce and their combined income disqualifies them.
If she covers just herself and her youngest child, her $47,000 income is still too high to qualify for subsidies.
She is too proud to accept subsidies in any event. She doesn’t want taxpayers picking up the tab for her coverage. In fact, ObamaCare subsidies will cost taxpayers $1.9 trillion over the next decade.
Her only solution is to find a full-time job that provides benefits — if she can find an employer that offers them. Employers, too, are seeing their premiums soar.
Virtually everyone agrees our country needs to help the uninsured and those with pre-existing conditions get coverage and care.
However, ObamaCare is essentially forcing those who buy their own insurance to pay double or triple costs to cover those without insurance or who have pre-existing conditions — and a good many of these middle-class people will not qualify for subsidies.
The shame here is that there are creative ways for the government to solve the problem by establishing guidelines while unleashing market forces. This is demonstrated by Medicare Part D, a successful entitlement program that provides drugs to the elderly poor.