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Affordable health care is becoming a concern to many Americans nowadays. Many companies are now increasing the charges, for providing this service to their workers or cutting back on the level of cover. I am one of those people affected by these rises because a couple of years ago my companys health care plan was changed, resulting in fewer benefits. Just before Christmas, the company announced some changes including the replacement of our, now to expensive, health care supplier.

They said that to have a low cost health care scheme for everyone meant we would have to change companies. I suppose some people are better off and perhaps I should not sound ungrateful. To some extent I do agree, but their search for another provider now costs me double the money from my paychecks to have my husband and daughter on my policy. Other than a few exceptions, everyone else seems to benefit from this new arrangement but because I have not had a raise but I am taking a great deal less home so my family can have health cover.

I liked the previous company and so far I am not as impressed with the new one although the health care plan does not seem that bad. To my mind the whole point of providing this new affordable health care scheme was a cost cutting exercise for the company which just meant greater expense for some of their employees. You see, four years ago, I gave birth to a little girl and of course my old insurance paid for the whole of my hospital stay. This new plan, under similar circumstances however, would personally cost me in excess of 5,000 dollars.

There are also the co-pays to consider, another cost in addition to the hospital fees I would have to pay. 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.

Those less well off are in need of these affordable health care schemes but they are also used by those who are intent on living of the state and do not actually contribute to society. We often forget who is ultimately paying for these schemes; us, the taxpayer. The health plan program my employer found definitely had improved financial benefits for him. It worked out just fine for my employers when they switched providers but many of us are paying the price. Affordable health care is a long term issue that needs addressing in this country because it is those worst off who are affected.

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