Obamacare ends corporate invasion of privacy.

[Ms. Toad]

40. She has been relying on insurance companies to treat two serious, life threatening illnesses

every year since she was 4. She is now 23. She will ultimately require a liver transplant - perhaps more than one - and in those years her care will be between a half million and a million dollars. She is also constantly at risk for a half dozen aggressive and hard to detect cancers.

Our insurance has been provided by my employer - but I watch the bills (and often have to fight the insurance company when they mess up on paperwork) which is why I know how much her care costs. I pay the co-pays and co-insurance, which means she gets care - at $60,000 a year it would be out of reach. And, about once a year I have to fight them for treatment related decisions - and I have won every time against a half dozen insurance companies.

Being able to pay $350 a month for the quantity of care she needs once she is no longer eligible to be on my insurance is a bargain, and with the subsidies available it means that she has the opportunity to be a starving artist for a while just like all the other kids her age. The only insurance available to her with her illnesses, which she would have had to move to a few years ago but for the ACA which has allowed her to stay on my plan even though she can't be a full time student, would have cost $1500-$1800 a month. She is not able to work enough to bring in enough money to pay the bills, let alone $1500-$1800 a month on top of basic living expenses.

At $20,000 income, under the ACA, you would have been eligible for partially or fully subsidized premiums AND reduction in co-pay/co-insurance. That is why my daughter will finally have the luxury of planning for a career she might enjoy - rather than one which has to be high enough to independently pay for a transplant (or several) - or at least employer based insurance which will tie her to an employer even once it is no longer a good match. It isn't the ACA which caused your problems, and it would have helped you.

I would love to have single payer, and full access to health care for every person. That's what we should have. But I'm sick and tired of everyone acting as if this change is either nothing - or evil - just because it isn't perfect.