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Americans are finding the cost of health insurance increasing, so that the need for affordable health care is on the rise. Companies are using rising premiums and tighter financial budgets to reduce the level of health care available to their employees. It wasn't that long ago that I had a fantastic health plan but all that has changed. Last fall, out of the blue, we were informed that our health care provider was going to be switched to a cheaper alternative. Unfortunately, the old system didn't benefit everyone in the company but the new one would, it was claimed. I don't doubt that many people will say that I am still doing alright and shouldn't complain. I don't mind other workers benefiting but it costs me more now, almost twice as much more to have my family covered in the plan. Lower cost cover may be available for all my colleagues now plus the company has saved money but if I want to keep my family on the plan, I will have to settle for a lower income. OK, so my health care is still respectable but the new company that we have is not as good as our previous. The new affordable health care plan initiated by my company meant that certain workers found themselves a lot worse off financially with additional co-pays and expenses. You see, my previous plan paid my entire hospital bill just over 3 years ago when I had my little boy. Working out that same stay with the new plan would mean approximately 4,000 dollars would have to be paid by me. 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. Those less fortunate can now get free health care more readily and workers without health care are able to join special schemes. I applaud the set up of these programs but not enough is done to stop those that wish to take advantage and ruin it for others. For many people desperately trying to improve their situation these affordable health care plans are a life-line but to others they are just an easy option. Taxpayers, such as me, are contributing to the vast number of programs currently available. My employer definitely found advantages in finding a lower cost health plan provider for their employees! However, their money saving technique wasn't good news to employees because suddenly we were making up for their cost cutting endeavor - by seeing less money in our paychecks. Something needs to be done in this country to offset rising costs and provide more affordable health care to those who are in need.
By: Elias Maseko
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