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this post was submitted on 09 Nov 2024
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Leopards Ate My Face
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I genuenly don't know how ACA works. Most people get insurance through their employer, is that affected by ACA? Not sure of the exact search terms to find the answer for it.
The ACA is a massive bill that affects basically every part of healthcare in the US. That being said, here are some of the major parts that affect people who get their coverage through their employer:
There is probably a lot more, but those are the big ones for most people.
Oh fuck so my depression could be considered a pre existing condition then. Im currently on my parents insurance plan since I'm still a dependent, but when I eventually have to get my own insurance, thats a pre existing condition according to the prospective new insurer?
Fuck. Im kinda pre-diebetic since my depression fucked with my will to live, soon I might be diabetic and without ACA protection I'm kinda fucked when insurance eventually decide to not insure diabetic people.
My parents have some investments, but even if I inherit some of it, not sure if that would cover expensive big pharma bills.
I'mma go cry in a corner. (actually im too numb from the horrors on tuesday, too sad to even cry 😥)
Here’s what happened to me before the ACA: I started grad school at ange 22 in a state where my parents’ coverage didn’t work, and therefore had to buy into the school plan through Blue Cross (may they forever burn in hell). For an entire year, I paid for all medical care out of pocket PLUS paid for an insurance plan, so that after a year Blue Cross would go “ok, I guess you paid enough to get on our plan for next year.” This is to say nothing of the ensuing years spent fighting tooth and fucking nail with Blue Cross over literally every medical decision my providers made. Absolutely nothing went without needing an appeal or a peer-to-peer due to “pre-existing condition.” The ACA made some of this easier, but Blue Cross figured out they could do stuff like drop drug coverage from their formulary to “pass on savings,” which brought back the need to do peer-to-peer on literally everything to get a high-copay “formulary exemption,” etc. It’s going to be a nightmare you can’t possibly imagine.