I am a small business owner with a pre-existing condition who can’t go without health insurance for even one month. The Affordable Care Act made my small business possible. If ACA is repealed or replaced, I will be forced to go out of business.
Two years ago, I started my own business, Frame Shift Consulting, teaching technology companies how to improve diversity and inclusion. I also have a genetic disease called Ehlers-Danlos Syndrome. If I take about ten prescription drugs every day, see several medical professionals regularly, and exercise carefully, I can live a semi-normal life and even work full-time if I don’t have to go to an office every day. Without access to prescription drugs and medical care, I would be unable to work full-time or even care for myself, and would have to go on disability, SSDI.
Before the Affordable Care Act, no health insurance company would sell me a policy on the individual market. My only option was to get a salaried job at a company large enough to offer health insurance to their employees. If I lost my job, I could buy one or two coverage options under COBRA or HIPAA, but I was always just one missed payment away from losing my access to health insurance at any price. (I once tried to apply for health insurance on the open market; after two questions about my medical history they told me I’d never get approved.) The ACA let me quit my job and start my own small business free from fear of losing my health insurance and becoming unable to work.
At my new small business, I am doing far more innovative and valuable work than I ever did for a big company. I love being my own boss, and the flexibility I have makes it far easier to cope with the bad days of Ehlers-Danlos Syndrome. I love how high impact my work is, and that I am training other people to do the same work. I could never have done work that changed so many people’s lives for the better while working at any other company.
Every time I hear about a new bill to repeal or replace the ACA, I study it to see whether I would still be able to afford health insurance under the new system. So far, the answer has been a resounding no. Without the individual mandate, coverage for pre-existing conditions, price controls, and minimum coverage requirements that states can’t waive, no health insurance company offer me an individual policy at a price I can afford.
I’m one of the luckier ones; if the ACA is repealed or replaced and I lose my health insurance, I can probably get a salaried job at a big company with health insurance benefits. I don’t expect anyone to care about my personal satisfaction in doing work I love, or having the flexibility to stay home when my Ehlers-Danlos is acting up. But I do expect my elected representatives to care that a cutting edge, high-impact small business would go out of business if they passed Graham-Cassidy or any other repeal or replace bill. The ACA is good for business, good for innovation, and good for people. Instead of replacing it with an inferior system that would cover fewer people for more money, let’s work on improving the ACA and filling in the many gaps in its coverage.
Thank you for your time,
Proud small business owner