I think maybe you had a different experience in the years leading up to the passage of ACA than some of the rest of us.
I was still getting out of college or in grad school, working a number of paid but not full-time internships, and had a number of different short-term plans and crummy health care plans. Like I said, I was denied by one because I had used Retin-A in my teens. All the plans were crummy, none covered much, I was often sprung with surprise medical bills that the doctors and nurses said would be covered, but weren’t. And I spent hours on the phone trying to sort out what the bills were. I literally got married at the courthouse when I did so that when I had to go to an internship in another state where my insurance didn’t apply, that I would still be covered. I mean, do we really want people to be making life decisions like that so they can be covered? To me, the tagline for Obamacare should be “making shotgun weddings obsolete since 2010”
I think many people on here are older, were gainfully employed with good insurance prior to ACA. And they had a really easy time with their insurance and good coverage.
But If that was not you, then your experience with the insurance market at that time was probably abysmal. This I think is the issue with all healthcare. It’s a scarce good so there is no way to allocate it without some people benefiting and others being penalized. In the past, the winners were the employed – who got fairly good cheap health care, presuming they were well enough to work. The people who weren’t employed, were self-employed, between jobs, or just didn’t get decent health care through their employer were living a precarious and fraught existence. Now everyone’s experience is a little more crummy, but people at the bottom have a huge increase in their well-being.
I personally am willing to accept those tradeoffs in exchange for protecting those more vulnerable classes of people. I had a friend who had an aneurysm at 28 – thank goodness San Francisco had a law mandating that restaurant workers get insurance coverage – or she would be totally broke and wouldn’t have gotten the rehabilitation she needed. I had another who developed leukemia as a 25-year-old fresh out of grad school and was saved by Romneycare. Another got breast cancer in her early 20s and went broke. I had a housemate who got into a bike accident and never got his face fixed because he didn’t have insurance. These things happened all the time. Only the employed weren’t personally facing those costs, so it was invisible on some level.
The level of frustration and hassle I had with health care, the anxiety I had, as a young healthy person, at that time – no comparison. Now my frustrations are when I have to wait a week to see my doctor or that I have to interface with the dumb-dumb medical records system at the big university system where I go, or frustration with what’s covered and not.
But I’d take that, hands down, to being billed twice for things, having legitimate claims be denied after the fact and having no recourse, being told that basic preventive care was not covered, being denied health insurance, and just not knowing if something happened to me if I would be financially ruined before I had even gotten my life started.