Kathy Castor (D) of Florida, during the hearings just touted how a constituent of hers has greatly benefited form the ACA.
She told of a young man who works for a small business who did not have insurance but was thrilled when he found out that he will receive a $2800 tax credit and his premium will be only $28.
Uh...hello?????
No one said it is not a great thing that people can get healthcare for next to nothing. That would be great for anyone.
But what her constituent doesn't realize is that it is not for nothing. Someone...or a group of people he does not know are the ones paying for him to get it for free...
Yep...he thanks Obama.
But he doesn't even realize that it is someone else paying for his stuff...and he cant thank that person (or group of people) for he doesn't even know who they are.
Bottom line....
I have yet to hear about a wonderful ACA story from a person who is paying INTO the system.
Has anyone?
The additional benefits of the ACA in the individual healthcare market are paid for by higher income workers via premiums. Most of the government funds go to pay subsidies in the individual insurance market and expanded Medicaid for those with lower income. Higher premiums paid by higher income workers provide the additional benefits. So, I don't think you're going find many upper middle class workers who buy individual plans praising the ACA.
For about 85% of the population who get their insurance through their employer, Medicare, Medicaid, or VA, the ACA will have only a minor impact with expected premium increases of about 3% to 5%. This is because most of the essential benefits are already included in most plans and the pre-existing conditions exclusion has either been eliminated or limited.
However, the effect on the costs for lower income workers can be dramatic. For example in Florida, one of the states that has had above average premium increases:
A single parent age 42 with 3 kids and a family income of $36,000 can purchase a silver plan priced at $7000/yr for $124/mo with a maximum out of pocket cost of $4500 for the family. As income falls from the $36,000/yr, the subsidies increase. At about $26,000, under the expanded Medicaid and $19,000 for those who live in states that rejected it, Medical care is free through Medicaid.