Under our wings

Many people in the USA are looking for more affordable health care owing to the continued increase in premiums. Whilst increased premiums are part of the reason, many employers are reducing the level of cover due to budgetary cutbacks. It wasn't that long ago that I had a fantastic health plan but all that has changed. Out of the blue the company decided to change their health care provider because it was costing them too much.The company was seeking a more cost effective plan that would benefit all of its employees. I don't doubt that many people will say that I am still doing alright and shouldn't complain. The new insurance company may be cheaper for the company but it isn't for me because to have my husband and daughter in the plan costs double what it did with the previous provider. Without a pay increase, my paychecks are now much smaller just so that my family can have cover. My health care may still be very good despite the fact that the old company was much better than this new one. It's all very well making the excuse that you are searching for a more affordable health care alternative but it doesn't wash when you see reducing your income but also out of pocket expenses also. You see, my previous plan paid my entire hospital bill just over 3 years ago when I had my little boy. Today, if I had a baby, it would cost me around four thousand dollars for my expenses. But, this doesn't include the additional amounts taken out of my paycheck, only the hospital costs. We are now seeing an increasing number of companies creating affordable health care plans. Some people are even able to get free health care, also single mothers or families where an employment scheme isn't available are having the opportunity to join low cost plans. The problem is when a small number of people take advantage of a system that was designed for those that needed it most.  Campbell water system is made available for use thus improving quality of water and decreasing risk of acquiring diseases.I feel sorry for those in genuine need of affordable health care who must look around and see others who are just sponges on the system: a financial burden to the state. Sometimes it's hard because your conscience says you should help but you know that many people that do not deserve help will benefit and the taxpayer is the one who pays. By switching providers, it was my company that realized the true advantages of this low cost option and a number of employees. Less take home pay was the result of my company's health provider switch with many of its workforce the ones seeing less money to take home for their families. We have a responsibility here in America to providing some sort of affordable health care for those that need it most.