Why some see ACA as a ‘godsend’ despite its flaws | Georgia Health News

15
Oct

Why some see ACA as a ‘godsend’ despite its flaws | Georgia Health News

Joy Kramer of Smyrna has run into the same dead ends with the insurance exchange website as millions of other Americans.

An inability to log on. Interminable delays. A busy site.

But the technical problems with healthcare.gov are not going to deter Kramer from enrolling, she says. And she is an unabashed supporter of the Affordable Care Act.

When she’s enrolled, Kramer, 54, will be a three-time winner under the ACA. At its core, the law was conceived to help people like her, and whatever its other issues, it has done that.

Kramer, who is a cancer survivor, was initially helped by the 2010 law when she was able to enroll in the special insurance pool covering people with pre-existing health conditions. Under the gradual implementation of the ACA, the pool program was created as a bridge until discrimination on pre-existing conditions is banned next year.

And this summer, she received a rebate when her insurer failed to spend a certain percentage of premiums on medical expenses, a “medical loss ratio’’ requirement instituted by the ACA.

Her third win will come when she joins a health plan in the insurance exchange in January that, with a subsidy, could cut her current monthly premium almost in half. “That would be a godsend,’’ she says.

via Why some see ACA as a ‘godsend’ despite its flaws | Georgia Health News.

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