The so-called free market did not prevent insurance companies "from discriminating against anyone with a pre-existing condition, dropping your coverage if you get sick, billing you into bankruptcy because of an illness or injury, and limiting your annual or lifetime benefits." And of course you "ha[d] to worry about losing coverage if you're laid off or change jobs." The ACA fixes such cherry-picking of only healthy people and dumping sick folks. In fact, I just quoted http://www.whitehouse.gov/sites/default/files... ....WATCH: Americans in Every State Affected by Obamacare
March 23, 2014
Happy fourth birthday, Obamacare!
From sea to shining sea, in blue states and in red states, people are struggling with the negative effects of Obamacare, including higher premiums, cancelled insurance policies, and new policies that don’t include patients’ current doctors.
Watch this video to see news reports of Americans in every single state grabble with Obamacare’s problems.
Moreover, 20+ million uninsured people will now get coverage. That means they can get prompt medical attention, rather than wait till they get major complications and have to run to the emergency room. Covering folks is not only more humane than neglecting them, it is more cost effective.
Similarly, some folks have junk policies -- i.e., dirt cheap, but provide very little coverage, sometimes unbeknownst to the policy holder (fraud!). That means free loading on the rest of us when they have a serious medical need. The ACA sets minimum standards for what's got to be covered. Would you prefer instead that folks can continue to free load? Emergency room visits are very expensive; talk about waste!
Likewise, expanding Medicaid will allow people to get treated promptly, and so is simply more cost effective than the status quo. As for affordability, talk to the Republican governors who are refusing Medicaid funding under the ACA, leaving 5 million uninsured folks who are just above the poverty line uncovered. More suffering -- and more emergency room visits!
The ACA does not force you to change doctors; there are a variety of commercial policies available on the exchanges.
The ACA is a big improvement -- yet it can be improved further. It sets up exchanges (i.e., makes markets transparent) within states. It is now easy to compare policies across different insurers. I got better coverage with lower premiums, starting 1/1/2014.
The unregulated market and tort reform didn't fix the above problems. I've not seen any critic on this site who has offered a serious solution if not the ACA.