I
am a Christian and I support Obamacare, here is why:
When I first heard about Obamacare and the way it was going
to “force” everyone to buy insurance. I thought “Hell No! The Government does
not have the right to force its citizens to buy anything.” Then I stopped to
think about it for a time. The government does not have any rights. Only People
hold rights and one of the first rights is the right to one’s health.
Governments are only permitted to do what the people allow them to do or are
designed to do through their laws with the consent of the people.
My first Insight
Health Insurance and health care are not synonymous although
they seem to be moving in that direction. At some time in our history Health
Insurance became the gateway to health care. Certainly one can access health
care through emergency situations, but that access route is usually extremely
expensive. But for true health one needs access to routine doctor’s visits,
check ups, medicine and tests on non-emergency bases. Without insurance that is
cost prohibitive. The gateway to the right of healthcare is closed to many
people because insurance companies deny them coverage due to preexisting
conditions or drop their coverage because of chronic problems. That does not
seem right.
My second Insight
Health Insurance companies and many health care providers
are for-profit companies. That means they make a profit from your health, or
sickness. If your health changes in a way that threatens the profit they will
make then they will change or drop your coverage. That is just good business
sense. It also seems wrong. The gateway can suddenly be closed in your face
because of profit margins, especially when you need it most.
My third Insight
If health insurance companies are going to be the gateway to
healthcare, then that gateway needs to be open to everyone, it is their right
of health. But because of the capitalistic, for-profit nature of health
insurance (and healthcare to some extent) then we cannot have a flood a “sick
and needy” people draining the coffers of the insurance companies. If the
government is going to force the insurance companies to accept everyone and
deny no one their right of access to healthcare, then the government need to
require everyone to carry health insurance so that the “presently healthy” can
off set the cost of the “presently sick.” But remember someday you will be the
“sick” and protected from being dropped by your insurance company and somebody
else’s “health” will help to pay for your “cost of sickness.”
Of course the other option is for health insurance companies
to step away from being the gateway to healthcare. What that would look like or
how we would then access healthcare is an open question.
Personal Experience and how it affected my thinking
In the spring of 2007 I had an accident with a power saw and
my knee. The emergency knee surgery cost over $10,000 and of course I was
uninsured. Why would I be? I was young, healthy and did not have extra money
for luxuries like health insurance. I had a few choices to make after the
surgery. I could make payments to the hospital and pay the bill or walk away
and let the hospital try to come after me financially. I paid the bill (With
the help of my lovely wife). Many people decide they cannot afford such
unexpected and costly medical bills and walk away, leaving the hospital to pass
the cost on to other patients or the state. Walking away only raises the cost
for everyone, making it harder for people to access health care.
And of course the next month I found the money to enroll in
health insurance.
In the fall of 2011 while on a trip to Wisconsin my
three-year-old son needed emergency abdominal surgery. After the surgery and a
week in the hospital the bill ran well over $35,000. Thank God we had insurance
and the wonderful hospital in Wisconsin was “in network.” The final cost to us
was in the thousands instead of tens of thousands. It was an unexpected blow
but we were able to handle it.
In the spring of 2012 I became sick. After months of trouble
shooting we figured out that my gall bladder had stopped functioning properly.
It was dead and needed to be removed. Again, thank God I had insurance.
Not one of these cases did we know about ahead of time and
in the midst of it happening if we had tried to get insurance we would have
been denied. Thank God that I had the good sense of enrolling in insurance
after my first accident or today we would be buried under mountains of medical
bills. I am sure that at this point, with our medical history, we are moving
away from a “safe bet” in the insurance actuaries to more of a “risk” for the
insurance companies to keep us insured.
I noticed that on the bills I received from the hospitals
and the insurance claim statements many charges were lowered, dropped or
disallowed by the insurance company. That means insurance companies, because of
their size are able to broker special deals and fee schedules which the
uninsured patient is not. What is the true cost of a gall bladder removal
surgery? The amount billed or the amount paid by the insurance company? No one
knows, not even the hospital.
I realized that the medical industry is not like the auto
mechanic who will give you an estimate that is close to the actual figure and
then get approval for any charges that might be way over the estimate. If you
have a problem, the hospital may give you ball park figure, but they wont know
the full extent of the charges until you are checked out of the hospital. Any
estimate they give you holds no meaning. And you have very little recourse to
fight back. But insurance companies do and can because they are so massive no
little hospital could stand against them.
And that is a good thing and a bad thing. What happens when
insurance companies become so large that no one is accountable? What happens to
the little guys who are stuck between the hospital and the insurance company?
Only some one larger than the insurance companies can stand against the
insurance companies to fight for the little guys, and that would be the
government, with the consent of the people (the little guys).
Through this I realized that with things the way they are in
the health care industry one needs health insurance. But health insurance is
not available to everyone. And it should be.
Tentative Conclusions
Now I have laid all these thoughts out in a very linear
order, but it did not occur that way in my thinking. It was much more jumbled
and disjointed and took a while to work through. This is where my Christian
faith informed me and helped me to see things I would have otherwise pushed
against.
For me, Christianity is expressed through helping your
neighbor. (Of course there is much more to Christianity than that simple
statement, but my theology is not relevant in this case, only my faith in
action.) In the story of the Good Samaritan (Luke 10:25-37) we learn that we
are all neighbors to those who are in need, and those in need are our
neighbors. Responding to those in need is our Christian duty. With that outlook
on life then desiring those around me, friends, family, neighbors to have
access to health care makes perfect sense. But it seems the only access they
can have is through health insurance. But some of those people are being denied
health insurance and therefore being denied health care. It is not neighborly,
nor does it sit well with my Christian sensibilities.
And that is why I support Obamacare. It makes me uneasy to
be forced to buy a product or service by any government. But I understand the
economics behind it. If the healthy people who may not need health care are not
paying in to support those who are sick and are drawing against it, then the
whole system will collapse. I feel that since it is a product I am already
buying then I am willing to be “forced” to buy it to guarantee my neighbors, my
friends and my family will have access to it when they need it. I don’t see it
as punishment against the people, but rather a way to regulate the insurance
companies on behalf of the little guys, the people who need to have their right
to health protected. And although the mechanism of the action makes me
uncomfortable, the outcome satisfies my Christian mind and soul.
I know there is much fine print in Obamacare, and I may not
support that whole thing lock, stock and barrel but I agree with the intent.
Now the outcome may not be predicted and I may need to change my mind. But
until we can insure adequate heath care for everyone through some other means I
am willing to give this a go.
If you want to read the Obamacare Bill for yourself you can find it
here
New York Times Article
link from comments
