I totally agree that the Affordable Care Act - ACA, better know as Obama Care, may not be so affordable for everyone, but the gains made under this law are huge.
Prior to Obama Care, millions of American were simply not able to obtain or afford health care coverage for reasons such as: being 18 and kicked out of your parents health insurance, having pre-existing conditions, or hitting lifetime caps (image individuals with chronic illness i.e. renal failure, cancers, and even pregnancy). Yes, pregnancies were consider pre-existing conditions. And even a woman with a previous cesarean delivery was considered pre-existing... prompting higher premiums.
Prior to Obama Care, most health insurance policies excluded birth control, maternity care/prenatal care/deliveries. Prior to Obama Care, women had to purchase separe coverages/special riders for pregnancy care, but often would be denied the extra coverage and be forced to foot the full hospital bill. If you are clueless how much pregnancy care and delivering a baby costs, let me give you an idea: uncomplicated prenatal care + vaginal deliveries run about $10K to $15k; prenatal care for a high risk pregnancy (imagine having high blood pressure while pregnant, gestational diabetes, even being age 35+) add to the cost; epidural injections for pain control add to the cost; and a cesarean delivery runs around $30K.
Talk about costly and talk about the institutional discrimination that was built into the medical insurance system prior to Obama Care... a system where women were discriminated (cost discrimination) because of their gender and ability to birth children. If this is not outrageous enough, how do you feel about Viagra being covered by health plans pre-Obama Care, but not birth control.
Post-Obama Care, birth control, prenatal care, and deliveries are covered by medical health plans without requiring a rider or higher premiums.
As a mom and as a woman who plans to have more children, it is extremely scary that the president-elect wants to scrap Obama Care. In 2015 (post-Obama Care), I remember talking to my mommy group about how costly our out of pocket costs were after delivering our babies. Image how this conversation would go if we were required to pay the entire bill.
Again, I agree that Obama Care may not be perfect, but it's a huge improvement from the previous system. It aims at making health care more affordable for everyone involved in the equation. The reason why Obama Care requires everyone to have health coverage (or pay a fine) is because the cost of health care should go down for everyone as more people enroll (specially if young and healthy) because this would spread the cost amongst everyone who is covered; therefore making it more affordable for everyone.
The president-elect and most republicans want to scrap Obama Care and this makes me really anxious to say the least... specially when they haven't put forth their plans on how they will "simultaneously" repeal and replace Obama Care. I am open to hear what their ideas and plans are to make health care more fair and affordable for every American. After January, 2017, the ball is on their court.