So You’re Not Able to Keep Your Old Health Insurance Plan? Good. It Was Probably Terrible Anyway

obama-1It’s only been a few days since Republicans seized on the news that “broke” about some Americans being unable to keep their current health insurance plan like President Obama said they would be able to.

And trust me, I get it.  People don’t like change, especially if that change might end up costing them more money.

But even while it’s only been a few days since Republicans pounced on this new right-wing talking point attacking the Affordable Care Act, I’m already sick and tired of hearing about it.

Because let’s face it, most of the people losing their current health insurance plans are losing them because they don’t meet the basic requirements set forth by “Obamacare.”

In other words—they sucked.

Were they cheap?  Sure.  Did they provide some level of coverage?  Yes, though usually at such minimal amounts, calling it “health insurance” is really just a bad joke.

For many of these individuals, if true tragedy struck, they’d be screwed.

Imagine having car insurance that only covers the first $500 in damages, while you’re left covering the rest.  What good is that “insurance?”  Better hope you never get into an accident where the bill ends up being tens of thousands of dollars—because all you’d be covered for is the first $500.

Which is essentially what many of these “health insurance” plans did.

Now, should President Obama had been more detailed in his message about “everyone” who wants to keep their current plan being able to?  Sure.  He should have added the words, “If your insurance provider continues to carry your plan.”  Had he said those words, then he would have been completely honest.   He misled some people and there’s no excusing that.

But then again, isn’t that just politics?

As much as voters say they want the truth, they really don’t.  I studied politics in school.  I met quite a few current and former politicians.  One of the main things I pulled from many of them is that voters really don’t want to know the truth.  Voters like being told what they want to hear.  And trust me, that is the truth.

That’s a reason why voters get so angry when a politician “lies” to them.  Because the truth of the matter is, voters wouldn’t have wanted to hear, “Once “Obamacare” rolls out, there will be quite a few problems and it most likely will negatively impact a few Americans.  In fact, some Americans will be paying more for insurance and the law really won’t benefit everyone.  But, trust us, in the long run—it’ll be great for the nation.”

You know who says that?  The politician in the no-name party who never gets elected.

“Centrist” politicians rarely win because they tend to tick off liberals and conservatives.  Hell, even as a writer I often get “my side” (liberals) angry quite often.  Any time I dare to call liberals out for hypocrisy, I get hammered.  If I ever suggest a conservative was right about something, I get hammered.  Basically any time I “reach for the middle” — I get hammered.

That’s why President Obama wasn’t completely honest about everyone being able to keep their current health insurance plan.

But the reality is, the vast majority of Americans will get to keep their current plans.  Yes, some will be paying more for insurance.  However, I’m willing to bet for every “horror story” Republicans put on television about someone paying more for health insurance, I can find you even more success stories about Americans paying less.

And yes, there will be some individuals who lose their current plans that were perfect for their needs.  For those people, it honestly does suck.  But those people will be the exception, not the rule.

But what are those who are losing their current health insurance plans really complaining about?  Better insurance?

Excuse me if I don’t feel all too incredibly terrible because our country passed a law that requires health insurance to actually provide real health coverage, not just the illusion of coverage.

Allen Clifton

Allen Clifton is a native Texan who now lives in the Austin area. He has a degree in Political Science from Sam Houston State University. Allen is a co-founder of Forward Progressives and creator of the popular Right Off A Cliff column and Facebook page. Be sure to follow Allen on Twitter and Facebook, and subscribe to his channel on YouTube as well.

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  • Adam Kane

    Truth.

  • strayaway

    “That’s why President Obama wasn’t completely honest about everyone being able to keep their current health insurance plan.” = He lied about keeping our own insurance, our own doctor, reducing the cost of the average Family’s health insurance premium by $2,500 by the end of his first term. So far, it looks like 2M Americans have lost health insurance coverage; more than have signed on to new (un)ACA plans. Fewer Americans are now insured. Failure.

    • GTelks

      You should stop watching Fox, 80 percent of those 2 million are being offered NEW plans which are up to the ACA standards, and of those 2 million most who aren’t wealthy are finding that they’re getting the plan subsidies which makes it around the same cost OR cheaper than their previous coverage.

      This whole thing is costing a lot of big businesses money, the fact that you are being barraged by special interest groups backed by large insurance groups should be a signal that this plan is moving us in the right direction: Which is anything that hurts their wallets.

      • strayaway

        Bad guess. I seldom watch TV let alone Fox. Problems with the (un)ACA include a broken promise, sometimes higher prices and higher deductibles, and being without insurance in the interim.

        This is a boon to big business; especially insurance companies. You have got to be kidding that this is hurting insurance companies. They helped write this thing.

        ““That means that no matter how we reform health care, we will keep this promise to the American people: If you like your doctor, you will be able to keep your doctor, period. If you like your health-care plan, you’ll be able to keep your health-care plan, period. No one will take it away, no matter what.” -President Obama’s promise to the AMA June 15, 2009

      • Chomper Lomper Tawee

        I can’t believe how well informed you are..LOL

  • Sam Brosenberg

    It depends hugely on the state that you live in. In sates whose governors and legislatures have opened State Exchange Marketplaces and accepted the federal money, nearly everyone is finding that their costs are being reduced, or that they are getting the same coverage for the same price.

    In states with assholes in charge, who would prefer to sabotage the ACA at the expense of their own citizens, people whose health plans are not being renewed are forced to go onto the Federal Exchange, which is EXTREMELY flawed.

    I know nine people my age (27) who live in my state, New York, and who will be affected by the ACA. Many people I know are covered by their employers, and are thus unaffected, but a few are not. Of those 9 people, 8 of them have shopped around on the State Marketplace and found a much better deal; either better coverage for the same price, or the same coverage for a lower price.

    The one person I know in New York who is being negatively affected by the ACA is unemployed and uninsured. He will be forced to buy insurance for the first time, starting in January, and so he will be paying those costs out of pocket since he was not paying them prior to the ACA’s implementation. Let’s just let that sink in for a minute, since he’s EXACTLY the type of person who, if he were in an accident, would go to the ER and end up using taxpayer dollars for his healthcare.

  • Nancy McCarthy Baker

    I’m almost certain I heard the president make the qualifying statement that inadequate plans would not stay. Wish I could find it. I didn’t dream it. Maybe it was just my logic filling in the hole.

  • Chris Jacobs

    I have parents who are both in their 80’s neither know what they are going to do! They are scared it will cost them much higher premiums. Premiums which were covered by my father’s retirement. Their policy was canceled by the insurance company. They have faith in their doctors of which they still don’t know if they can keep. To them this whole thing is a shock. I don’t blame them. I don’t want them to have to sell their house and move into an apartment all over this affordable (so called) health coverage. We as a family are pretty upset and do not go along with it. My father said his plan was one of the best on the market and they had never had a problem with it. Now they don’t understand any of this new stuff.

    • RWagner

      The ACA had nothing to do with the insurance company cancelling his plan, that’s all on the company he worked for and it was only a matter of time. Corporations have been working for over a decade to reduce pension plans and sooner or later it would be gone. Besides, their Medicare plan with the right supplement will more than take care of their needs. Float your spin elsewhere.