Terry Culver: Moving Healthcare Forward for Everyone

 

Moving Healthcare Forward for Everyone

Terry Culver is the owner of Last Time Around Antiques in Barre.

I have been selling antiques for 29 years, and my wife and I opened our own shop, Last Time Around Antiques, in downtown Barre in 2004. I also worked at the granite quarry for many years which provided me with health insurance during this time. After retiring from the quarry, I began working full-time at the shop and now have insurance through my wife’s employer.

Many small business owners in Vermont find themselves in a similar situation, accessing health insurance through a spouse’s plan with a larger employer or through Medicaid, Medicare or the healthcare exchange. Some do not have insurance at all. They cannot afford to provide healthcare benefits as a small business owner which puts them at a disadvantage when hiring and retaining employees.

Small business owners are invested in their employees and care about the health and wellbeing of people in their communities. We need to find a way to improve our healthcare system and move toward a universal plan that supports our small businesses and provides quality, equitable care to everyone.

Like many people who have insurance, my wife and I have a high deductible plan and pay a significant amount in out-of-pocket expenses each year.  My medication was unaffordable at $10.50 for one pill at the time it was prescribed, which would have cost me $1,280 for a 122 pill prescription. And if the Trump Administration succeeds in removing the protection for people with pre-existing conditions, my wife could be one of the more than 260,000 Vermonters to be affected by this change.

My wife had breast cancer two years ago. Before the Affordable Care Act, insurance companies could deny coverage for many illnesses including cancer, diabetes and arthritis and also conditions that we wouldn’t consider to be illnesses like pregnancy. If we were uninsured when my wife was diagnosed with cancer, we wouldn’t have been able to afford the $100,000 treatment costs each year.

I agree that improvements need to be made to our current healthcare system to make premiums more affordable, but the protections that the ACA provides to many people are a step in the right direction. The Trump Administration’s recent attempt to remove the protection for people with pre-existing conditions alone would directly affect more than 130 million people in the United States who suffer from an ongoing or recent illness or condition.

Do we want to go back to a time when people were uninsured and insurance companies could deny coverage or increase premiums and deductibles for those who are sick and need care? With more money going to insurance companies and less money in our local economies, all of us will be affected. I know healthcare costs are high right now, but what if everyone in your family was denied coverage for a pre-existing condition? Imagine how much that would cost. For me, even though it is difficult to pay $5,000 each year toward a deductible, I wouldn’t be able to pay $100,000 for cancer treatment. It’s not perfect, but I don’t want to go back. We must build on what’s working, and continue to progress for the health of future generations.

 

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