Hi - after Obamacare passed in 2009, I wondered whether or not the cost of my individual health care insurance would become more affordable. The short answer was "no".
So I wondered if a fraternal organization could be created that would attract people to it and work to build the Democratic Party while offering group health insurance at really affordable rates. So why not form a group called the "Fraternal Order of Loyal Democrats" where the qualification for membership is being a registered Democratic Voter in North Carolina. One of the benefits of membership would be the ability to purchase group health insurance at affordable rates?
I am self-employed. I've been paying my own health insurance since I got out of college. When Obamacare passed, my premium was jacked up $100 a month in the first year alone - from a little over $400 a month to over $500. In the second year it was going to be jacked up to over $700 a month! I am self-employed and my business hasn't increased to allow me to afford that. It's more than the mortgage payment on my house! That extra $2400 a year would be the cost of new lenses and other gear I could actually use to make more money!
So I lowered my monthly premium by raising my deductible from $500 to $2500 - meaning more out of pocket expenses if I get really sick. But now after another year - the monthly premium is back up to where it was before I raised my deductible. Oh - and the economy hasn't improved that much so I can continue to pay more for less coverage.
A friend applied for one of those crappy call-center jobs through an personnel agency - and they offered him roughly the same policy for $25 a week. Meaning that the benefit of being covered by group health insurance saves him nearly $400 a month over what I pay because I am self-employed.
So I wondered if anyone on here would be interested in joining a fraternal organization of Democrats so they could purchase affordable group health insurance coverage?
Oh - and a side benefit would be that the membership fees would go to the NCDP. Meaning instead of having to beg money from big money donors and rock-star candidate campaigns, the NCDP would be funded by the very grassroots that is so important to the Party. Imagine getting great group health care insurance AND having a fully-funded NCDP that could stand up to special interests?
Is this an idea we should take to our Party, and our Insurance Commissioner?