Yes, Some Americans are Being Forced to Switch their Health Insurance Plans – But That’s a Good Thing

aca1As more Americans begin to experience the impact of the Affordable Care Act (aka “Obamacare”), to say the rollout has been a little rocky would be quite the understatement.

While many people are well aware of the issues the website has experienced since it launched at the beginning of October, there’s another growing issue some Americans are facing—those who are losing their current health insurance plans.

But wait, didn’t President Obama promise that people would be allowed to keep their current insurance under “Obamacare?”  Well, yes, he did.  But he shouldn’t have.

Granted, most Americans will be allowed to keep their current health insurance, but it’s unavoidable that there will still be quite a few that will have to choose a different plan.

The fact is President Obama has done a horrible job at explaining the Affordable Care Act to Americans.  He sat by too long while Republicans controlled the message and distorted the facts about the law so greatly that many Americans still don’t know what’s real and what’s not.  Perhaps this is why he now has Bill Clinton trying to do damage control.

One reality some are unfortunately facing is that they will have to choose another insurance plan.  Again, something President Obama assured Americans they wouldn’t have to do.  That’s on him.  There’s no excuse for him misleading the American people on that reality and I’m not going to sit by and tell you he was right for not being completely honest.

What I will say, however, is that the reason why some Americans are having to switch insurance plans is actually a good thing.

See, before the Affordable Care Act, many Americans really only had the illusion of health insurance.  They had plans that provided such terrible coverage, calling them “health” insurance should have been criminal.

What the Affordable Care Act requires is that health insurance companies actually provide decent coverage.  It doesn’t allow health insurance companies to offer plans that masquerade as health insurance.   Plans are now required to cover things such as pre-existing conditions and maternity care—two things many private insurance plans left out for the sake of “lower premiums.”

So granted, some premiums for Americans are going up (Republican obstruction plays a big part in that as well) and some people are being required to switch insurance companies and plans—but neither are necessarily bad.

I know telling someone that it’s good that they’ll soon be paying more for their health insurance seems a bit ridiculous.  But, with the requirements put forth by the Affordable Care Act, many Americans are actually getting “more bang for their buck” instead of just an illusion of health coverage.

So, the reality is that while some Americans are having to switch their health insurance plans (even though President Obama said they wouldn’t) it’s due in part because their previous health insurance plan provided such minimal coverage it didn’t meet the requirements in the Affordable Care Act.

After all, what the Affordable Care Act aims to do isn’t just insure Americans, it also wants to make sure Americans have health insurance that actually provides real coverage.

Granted, this isn’t the situation for every American who’s encountering higher premiums or being forced to switch health plans.  The Affordable Care Act is far from perfect and I’m sure many bugs will need to be worked out as the law continues its rollout.  But even if 90% of Americans end up loving “Obamacare,” the law will never please everyone.  There will always be situations posted by the opposition of “horror stories” experienced by some Americans — that’s just the reality of things.  Do we really think that any law like this that gets passed in our country will be 100% beneficial to everybody?

So, while President Obama should have been more forthright when he said Americans would be allowed to keep their health insurance (the vast majority of them will), that doesn’t negate the fact that under the Affordable Care Act, the health plans Americans receive will provide actual health insurance as opposed to just the illusion of coverage.  And that is, quite frankly, a BFD.

About Allen Clifton

Allen Clifton is from the Dallas-Fort Worth area and has a degree in Political Science. He is a co-founder of Forward Progressives, and author of the popular Right Off A Cliff column. He is also the founder of the Right Off A Cliff facebook page, on which he routinely voices his opinions and stirs the pot for the Progressive movement. Follow Allen on Twitter as well, @Allen_Clifton.

  • Ty Lynn Ocell

    So I am being forced to buy maternity care though Ill never have another child again…just so other women can get free contraceptives? Why do you feel entitled to my hard earnings? My insurance went up $120 a month!!!

    • FD Brian

      We’ll all benefit from having all women covered for maternity and if we all pay for it, it will then be less. Maybe with proper maternity coverage for all women the USA might not rank toward the bottom of infant mortality in developed world.

      • Ty Lynn Ocell

        If politicians didn’t decide who may or may not take a risk to sell insurance in the states we could buy across state lines. If they didnt let the FDA control who can and cant sell drugs we can have better drugs. If we legalized marijuana and stopped giving out corporate welfare we would all have lower and better cost healthcare with out forcing others to pay for it. France doesnt force women to buy products they dont need, their healthcare has better choices does more and cost less. Wake up fool, what we have is not healthcare, its crony capitalism!

    • Mike Williams

      you were already paying for that. look at your coverages now.

      Also there is that funny little clause about 80% of premiums or refunds…

      watch for your plan cost to drop when the insurance company figures out it can no longer provide nothing for something and be over priced as well.

      • Pipercat

        Minor detail that…

  • http://www.doubtingdave.com/ David P. Neff

    “And if you like your insurance plan, you will keep it. No one will be able to take that away from you. It hasn’t happened yet. It won’t happen in the future.” -Barack Obama

    “FACT: Nothing in #Obamacare forces people out of their health plans. No change is required unless insurance companies change existing plans.” -Valerie Jarrett

    Both of them are liars.

    You are basically saying that you, the government, know more about my health than I do and can pick a better plan than me. That’s arrogance! That’s socialism

    • Mike Williams

      That has nothing to do with socialism. The fact is Barack is a lousy at explaining how things work.

      You get to keep your plan, if it is a real plan with real coverage.
      IE: no more BS plans that won’t cover anything.

      Based on your view that this is communistic, then explain to us how you deal with federal requirements to have states require that every automobile be insured with a minimum amount of coverage.

      Why not wander over to the part of the internet where they keep the Law in it’s current state of existence. It’s called the PPACA and you can find it using that company that is really concerned with your privacy.
      Yes the Google Division of the NSA.

  • FD Brian

    My insurance company is replacing my current plan. I can choose between 11 plans, 9 are less expensive than the current one and 2 or less then $100 more and offer much lower deductibles and better drug coverage. Not everyone is seeing their insurance increase. Look at my twitter profile to see a complete list of plans and the prices.