In our society the debate over public health care continues because there are many that do not see the need for such a program and many more that are skeptical about its implementation. What amazes me is that most of the people who oppose the plans being presented not only have no viable alternatives to help the uninsured but most of them have adequate insurance plans in place for their families.
Until Obama’s presidential election, I don’t think anyone believed that health care reform could be a reality. We had become accustomed to the status quo and almost content sacrificing the health care access of millions of Americans. During Obama’s campaign he began to shed light on the reality of being uninsured in America as many had attempted to do before except he was committed to offering a viable solution. Many have criticized President Obama for having to compromise on what they consider campaign promises but he has pushed this issue to the forefront of our politician’s agenda and forced them to begin seeking and enacting solutions.
The reality of being uninsured in America escapes many of the people with the power to help those who need it. Not only are most people who need insurance unable to march on Washington because they are working one or more jobs but they often don’t understand how capitalism is able to wield its influence over our political system. They have placed their faith in a system that has no interest in helping them or protecting their rights.
The reality of being uninsured in America and working for a small business owner is that you probably won’t be offered group medical insurance. Most small business owners have a tough time keeping their doors open and covering their basic expenses. With our current insurance system, they cannot afford to offer medical benefits to their employees and many have no insurance for their families. Many of the employers and employees are relying on their spouse to attain coverage for the family. However, what happens if the spouse is unable to do so or if there is no spouse?
The reality of being an uninsured entrepreneur in America means that in order to offer medical benefits to your employees you have to be prepared to cover at least 50% of the premiums for every employee. It puts employer at risk of losing quality employees to larger companies because they are not able to offer competitive benefits while the employee is often looking for a better job that offers to benefits in order to secure the health of their family. It seems that part of the American dream is the opportunity to own a business and create the life you want to live yet who wants to sacrifice their insurance coverage to do so? Many people, therefore, become a slave to corporations and most forgo living their passion just to ensure their family has medical benefits.
The reality of being uninsured in America is compounded for individuals with a pre-existing “condition.” You see, I am a Type 1 diabetic and I discovered long ago that I prefer working for small companies or as an entrepreneur. The insurance companies have done their calculations and realized that I will incur medical expenses. There is no “if,” it is only a “when” therefore they will allow me to attain coverage at a higher rate but they won’t cover my pre-existing “condition.” So, you mean I should pay a higher rate than usual for coverage of anything that might happen to me unrelated to my diabetes. Interesting. I already spend hundreds of dollars per month on insulin, syringes, bio-hazard containers, meter strips, testing strips and doctor visits but I should give more money for what?
Whether you agree with the health care proposals on the table or not, the reality of the being uninsured in America should no longer being tolerated. Just because it may not affect you and your family does not mean that millions of Americans are not being affected. One of the so-called advantages of being a part of a democratic society is that it is supposed to be for the people and by the people. If the people quit helping each other and looking out for the greater good of our society who do we have to turn to?
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