Affordable Health Care

Today trying to find an affordable health care plan is indeed difficult. Perhaps it has a lot to do with the politics of our nation and the budget allowances, whatever the reason affordable health care is simply non-existent today.

Unfortunately many employers today simply cannot afford to budget for Health Care for their employees!

More and more Americans are in need of affordable health care. Some employers for hardworking employees have had to cut back on some of the health care for everyone due to rising costs and working with a budget. I know, I am one of them. I have a great job and prior to 2006, I had amazingly wonderful health care benefits.

Suddenly, my employer announced last fall that it was getting too expensive and switching health care providers. The company was seeking more affordable health care that would benefit all of its employees.

Some people will argue that my new insurance is still great and I am fortunate to have it. I do agree, to some extent. However, their search for affordable health care now costs me double the money from my paychecks to have my husband and daughter on my policy.

Yes, that is correct; it is costing me double what I was accustomed to paying initially. Therefore in order for my company to provide affordable health care to all of the employees, it is no longer affordable for us. Without getting a raise, my paychecks are dwindling just so that my family can have health care.

Granted, my health care is still decent. The new company that we have is not as good as our previous. In my opinion, my company's search for affordable health care not only caused us all a significant cut in our paychecks, but higher co-pays and more out-of-pockets expenses from us.

Four years ago, I gave birth to a wonderful little girl. My old insurance paid 100% of my hospital stay. Today, if I had a baby, it would cost me almost $4,200 for my out-of-pocket fees. That's just for the hospital and delivery. I would also be paying more for my co-pays. Somehow, it just doesn't seem to be fair to the majority that is involved.

There are more and more affordable health care programs being created to help those that do not have any coverage. Single mothers, families working for companies that don't offer coverage, low-income households - they are all able to get affordable health care or even free health care.

While I am appreciative of those programs because they are savings lives and helping people to grow stronger and healthier, many people tend to take advantage of them. Those programs should be for struggling families who are taking steps to better their futures, not for people are 'bumming' off the state systems and affordable health care programs. The taxpayers, such as myself, are contributing to the affordable health care programs.

My family hesitates to visit the doctor now because of the costs we now could incur. My employer definitely found advantages to finding affordable healthcare for its employees. However, their money saving technique simply wasn't good news to employees. We suddenly were making up for their affordle health care endeavor - by seeing less of our paychecks. Something needs to be done in this country to offset rising costs and provide more affordable health care to those who are in need.

At least those people who suffer personal injury can file a case and recover damages to assist with their health care costs if they use a good personal injury lawyer. Depending on the state you are in it should not be hard to find a great personal injury lawyer. My sister who is in New York recently had her car struck by a van that broke a traffic light. She simply went online to google and searched for "New York Personal Injury Lawyers" and voila she found enough to choose from.

The Insurance companies today are countless, yet I am amazed that they still fail to offer the nation's public Affordable health care! I have even tried calling several myself in order to throw off the ridiculous bills that I am now incurring to have my family healthy but to no avail. Something must be done about this situation urgently!

Resources

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