I've long been skeptical of our government's ability to properly oversee and improve our health care system. After all, we have one of the best systems in the world, albeit one of the most expensive. You get what you pay for. If you want a Cadillac, you are going to pay much more than you would for a Chevrolet.
I just opened our mail, and I find from Blue Cross and Blue Shield of Minnesota: "We regret to inform you that beginning in 2017 we will no longer be offering you health care."
What they really said was, "You're out — tough luck, eh?" They commented on large expenses (not ones I have created, but their overall expenses) and about losing a lot of money on individual policies.
So what I would like to establish here is a bit of history about how we got into this mess, and where things stand, and more important, where we seem to be heading.
A few years ago now, we were told by our president and congressional leaders that we needed to overhaul our health care system to get more people covered and improve our care and our way of life. We were also told, repeatedly, by our president, "Don't worry, you will not have to change your plan, you can keep the one you like." He said this numerous times.
Well, after the new law was enacted, my wife received her first notice — you cannot keep your plan, it does not comply with federal law. Great. She spent many hours looking online, making phone calls, comparing notes, only to wind up spending more money each month for something she did not fully understand (or agree with).
Since this time, she has taken a new role with a new company, and fortunately, her employer provides a great plan with minimal cost — not because it has to, but to attract and retain talent. This employer is smart and realizes the value of good health care access at reasonable cost.
In 2015, my monthly premium for a high-deductible individual plan was $265. In 2016, that number moved to $431 (an increase of over 60 percent in one year) and today the news is "You're done." I now have to go online and waste a lot of time to figure out what is out there for me, almost certainly at an even higher cost with fewer benefits and less access.