When people talk about limits & health insurance, it usually refers to a particular coverage limit. The health insurance limits I'm concerned about are those of well-intentioned people limited by their baseline ignorance of the real-world, real-time impact of being poor. If only the poor had a K Street lobbyist with the ability to get the ear & action of politicians & policy makers, or at least each congressional office including one genuinely person on staff whose sole purpose was to chime in with reality checks!
Yeah....
It's great that the ACA offers considerably broader, more affordable premiums. Thanks to Obamacare, I'll be able to access & afford health care coverage for the first time in over ten years. Just one fly in that soothing ointment - those pesky co-pays. 20% ain't chicken feed.
My costs for blood work labs has been $1500 (without contracted health care coverage? providers can - and do - charge whatever they wish), which means I'd face a $300 co-pay.
Just for lab work.
Trust me - as someone who couldn't access (pesky pre-existing condition!) let alone afford coverage, availability & an affordable premium is wonderful. If I could get "gap" coverage like John has for Medicare, it'd be workable. But anyone in a genuine financial bind - even if just temporarily - will wince at co-pays.
The first limitation people who hope to reform our nation's health care have to get rid of - - the pair of blinders limiting their ability to understand that providing access & affordable premiums are just two, far from only steps.
