> At least we have health insurance now. I recently accepted a position with a local college, giving up my freelance career because when you have a kid like this, you need benefits. You’ll do anything for benefits. No individual insurance plan will cover this kind of thing. Right there, is why we needed health care reform. (And still need more.) I'd like to meet one middle class person who's not on a big company's pr…
Happy to oblige. I recently looked into this before I quit my job four months ago to spend some time working on hobby projects. So here's the situation as I understood it: (a) There is a law called COBRA which says after you've quit your job the insurance company has to keep you on the same plan you had for the next 18 months (36 months in California), with the same rates your employer was paying, (b) There is a law called HIPAA which says that after you've used up all COBRA the insurance company has to give you coverage regardless of any preexisting conditions, as long as the gap in your coverage was below (I think) 60 days. So someone in my situation (middle class person not on a big company's plan, as you asked) there is no gain from the healthcare reform. Also, while this was not immediately relevant to my situation, I think that (in CA at least) the insurance company cannot deny you coverage based on the preexisting condition if you're below certain age (19 years old I think?). So as long as you've either gotten the coverage below that age or had a job with a group plan at any point later in your life, and had no gaps in coverage since, you are fine.
I'm not at all against the healthcare reform, but I suspect that most of the time when people complain about the healthcare situation in the US they just don't know the facts. I also suspect that in many cases when people share their health insurance horror stories, there is something they're not telling you. Like that they had a gap in coverage. Or that they had to take a job because they needed steady income, and saying it was because of health coverage has a better ring to it.