The ACA is a massive bill that affects basically every part of healthcare in the US. That being said, here are some of the major parts that affect people who get their coverage through their employer:
Minimum coverage standards - The ACA sets minimums about what must be covered by employer insurance, including drugs, procedures, family planning and mental health care.
No lifetime caps - Before the ACA insurers could set a lifetime cap on how much they would pay out for any individual. This meant that people who had long term chronic or very expensive medical needs would get kicked off their insurance eventually and have to figure something else out. Or, more likely, either go into massive medical debt or forego care, or both.
Pre-existing coverage - Before the ACA insurers could choose not cover issues that you got before you signed up with that insurer. So, again, if you had a chronic condition and changed jobs, you could lose all coverage for those treatments.
There is probably a lot more, but those are the big ones for most people.
Oh fuck so my depression could be considered a pre existing condition then. Im currently on my parents insurance plan since I’m still a dependent, but when I eventually have to get my own insurance, thats a pre existing condition according to the prospective new insurer?
Fuck. Im kinda pre-diebetic since my depression fucked with my will to live, soon I might be diabetic and without ACA protection I’m kinda fucked when insurance eventually decide to not insure diabetic people.
My parents have some investments, but even if I inherit some of it, not sure if that would cover expensive big pharma bills.
I’mma go cry in a corner. (actually im too numb from the horrors on tuesday, too sad to even cry 😥)
Don’t worry, with the FDA neutered, diabetes meds might just randomly not work anyway! Who needs quality control on medicine!? (Depressed /s, because this is liable to kill both of my parents)
Bruh, if Covid happened under this 2025 trump administration, I might actually become vaccine skeptical, at least for the hypothetical covid vaccine in this scenario.
Would trust a trump-vaccine? Or more like a RFK Jr. -vaccine?
Great, so a trump-appointed high ranking general gets to take over and establish a military rule? (You know he’s gonna be firing generals and the senate will allow him to install a maga general.)
I hate to tell you, but it’s worse than that. Pre-ACA mental health wasn’t covered at all except in extremely expensive private coverage for the wealthy, so it wouldn’t matter if it was preexisting or not.
Here’s what happened to me before the ACA: I started grad school at ange 22 in a state where my parents’ coverage didn’t work, and therefore had to buy into the school plan through Blue Cross (may they forever burn in hell). For an entire year, I paid for all medical care out of pocket PLUS paid for an insurance plan, so that after a year Blue Cross would go “ok, I guess you paid enough to get on our plan for next year.” This is to say nothing of the ensuing years spent fighting tooth and fucking nail with Blue Cross over literally every medical decision my providers made. Absolutely nothing went without needing an appeal or a peer-to-peer due to “pre-existing condition.” The ACA made some of this easier, but Blue Cross figured out they could do stuff like drop drug coverage from their formulary to “pass on savings,” which brought back the need to do peer-to-peer on literally everything to get a high-copay “formulary exemption,” etc. It’s going to be a nightmare you can’t possibly imagine.
The ACA is a massive bill that affects basically every part of healthcare in the US. That being said, here are some of the major parts that affect people who get their coverage through their employer:
There is probably a lot more, but those are the big ones for most people.
Oh fuck so my depression could be considered a pre existing condition then. Im currently on my parents insurance plan since I’m still a dependent, but when I eventually have to get my own insurance, thats a pre existing condition according to the prospective new insurer?
Fuck. Im kinda pre-diebetic since my depression fucked with my will to live, soon I might be diabetic and without ACA protection I’m kinda fucked when insurance eventually decide to not insure diabetic people.
My parents have some investments, but even if I inherit some of it, not sure if that would cover expensive big pharma bills.
I’mma go cry in a corner. (actually im too numb from the horrors on tuesday, too sad to even cry 😥)
Don’t worry, with the FDA neutered, diabetes meds might just randomly not work anyway! Who needs quality control on medicine!? (Depressed /s, because this is liable to kill both of my parents)
Bruh, if Covid happened under this 2025 trump administration, I might actually become vaccine skeptical, at least for the hypothetical covid vaccine in this scenario.
Would trust a trump-vaccine? Or more like a RFK Jr. -vaccine?
Well, with typical no-WFH (telework) US government policies, another pandemic will kill off our government fast.
Great, so a trump-appointed high ranking general gets to take over and establish a military rule? (You know he’s gonna be firing generals and the senate will allow him to install a maga general.)
Bold of you to assume they’re not already MAGA. You don’t get far in the military without being able to kiss ass and hype yourself up.
The military currently leans conservative, but not nessesary maga-conservative.
If the military was maga-conservative, they would just refuse to recognize the 2020 election and illegally keep trump in office.
A future restructuring of the military might actually make it maga-conservative.
I hate to tell you, but it’s worse than that. Pre-ACA mental health wasn’t covered at all except in extremely expensive private coverage for the wealthy, so it wouldn’t matter if it was preexisting or not.
Here’s what happened to me before the ACA: I started grad school at ange 22 in a state where my parents’ coverage didn’t work, and therefore had to buy into the school plan through Blue Cross (may they forever burn in hell). For an entire year, I paid for all medical care out of pocket PLUS paid for an insurance plan, so that after a year Blue Cross would go “ok, I guess you paid enough to get on our plan for next year.” This is to say nothing of the ensuing years spent fighting tooth and fucking nail with Blue Cross over literally every medical decision my providers made. Absolutely nothing went without needing an appeal or a peer-to-peer due to “pre-existing condition.” The ACA made some of this easier, but Blue Cross figured out they could do stuff like drop drug coverage from their formulary to “pass on savings,” which brought back the need to do peer-to-peer on literally everything to get a high-copay “formulary exemption,” etc. It’s going to be a nightmare you can’t possibly imagine.
Hims.com, no insurance required. I get generic zoloft for $50/month without needing to pay for the $300ish for insurance.