One of my two senators recently reached out to his constituents to solicit stories about their personal experiences with the Affordable Care Act. Even though I'm pretty sure he's already made up his mind on the issue I appreciated the gesture. I shared my story with him and I thought you might be interested as well:
May 18, 2017
Dear Senator Cornyn:
I appreciate you reaching out to your constituents regarding their personal experiences with Obamacare. I imagine you have received a range of responses but I wanted to take you up on your offer and share with you the part the 2010 law has played in my life these past few years.
For me the passage of Affordable Care Act will always be closely tied to my decision to start my own business. For years I had wanted to establish an architecture firm of my own but like countless other aspiring small business owners I had a family to consider and had to make the difficult calculus of determining whether or not making a such a professional move would endanger the welfare of that family.
The largest single concern for us at the time was the high cost of health insurance.
As you will recall before the implementation of the Affordable Care Act the cost private insurance was egregiously large. Even the health insurance I had been receiving through my employer had experienced double-digit premium increases for many years before.
Because the Affordable Care Act promised reasonable rates for self-employed individuals such as myself I had the confidence to launch HiWorks. Although there were many things that kept me up at night those first few years, health insurance was never one of them. When it came time to make use of the Health Insurance Marketplace we found the website reasonably easy to navigate and we were able to find a plan that matched our previous one. Even though we received no subsidies our premiums actually cost a little less and we were able to keep our doctors.
Our experience was a good one. I know that doesn't match the story that is often told but I can honestly say our experience was positive - or at least as positive as one can expect dealing with health insurance.
It should be mentioned that I come to this topic from a relative position of privilege. Our family could afford health insurance before Obamacare and we could after it was implemented as well. For me the real benefit of the law was that it ultimately allowed many more Americans to have health insurance. Even if I had ultimately paid more for my premiums I would consider it a bargain if those less fortunate than me might gain coverage for their families.
I understand that the Affordable Care Act has its flaws and issues that need to be corrected. I see it as the responsibility of my elected officials to fix those flaws and address those issues. I wish that could have been done over the last seven years.
I am happy to report that my business is doing well and that my family is healthy. But I would be lying if I said I was not concerned about the House’s passage of the American Health Care Act. I realize the bill in its current state is merely a starting point but I do feel it heads in a problematic direction. Specifically I take issue with the proposed removal of the safeguards that prevent insurers from raising insurance rates for preexisting conditions.
You see, I am asthmatic and I have been all my life. I also have a father with heart disease. I have a friend with multiple sclerosis and a business partner with brain cancer. At the moment all of these conditions are manageable with the high quality of health care we enjoy. However each of these represents a preexisting condition that insurers could exploit under the House proposal. The fact my wife gave birth to our two children may also qualify as a preexisting condition that could cause our rates to increase as well.
I realize we are now talking about hypotheticals and there is considerable uncertainty moving forward. I do not envy your position as I know your constituents are evenly divided on this issue. As the senior Senator you are in a unique position to provide leadership and work to repair the existing law or develop a new one that offers the same protections that all Americans deserve.
I hope the perspective I have described here has been helpful. I thank you for your service-
-J. Brantley Hightower