Baby Boomers and Health Care

I am presenting a guest blog in this spot since it's been awhile since I've written anything.

This one is on a topic important to all of us aging Baby Boomers. What is going to happen with health care reform?

The blog is written by Barbara O'Brien, who has made a name for herself blogging about political and health care issues. You can learn more about her at barbaraobrien@maacenter.org

Will Congress Repeal Health Care Reform?

By Barbara O'Brien

As soon as Republicans knew they had won a majority of House seats in the midterm elections, GOP leaders vowed to repeal health care reform. Can they do this? And should they?

Frankly, chances that the health care reform bill could be repealed completely are remote, especially since such repeal would have to override President Obama's veto, and the Senate still has a Democratic majority.

House Republicans say they have some tricks up their sleeves, such as refusing to provide funds in the budget to implement health care reform. However, provisions of the law that will expand Medicaid and help subsidize private insurance won't kick in until 2014. Until then, there's not much the House can do to the budget to stop health care reform from going forward, short of defunding the entire Health and Human Services department.

Another "trick" might be to dismantle the bill piece by piece. One provision that many people want to remove is the individual mandate, which will require most Americans to obtain health insurance or pay a tax penalty. This provision also kicks in in 2014, and it's one that Baby Boomers in particular will want to fight to keep.

Here's why: Beginning in 2014, private insurance companies will no longer be able to refuse to insure someone because of a pre-existing condition. But without an individual mandate, there will be no incentive for younger and healthier people to purchase health insurance until the time comes when they need it. This means those left in the insurance "risk pool" will be older, and that drives up the cost of insurance.

By the time we reach 50, nearly all of us have "pre-existing conditions." Some of our conditions are common, and some are not -- mesothelioma, for example, is rarely diagnosed in patients younger than 50. And without Medicare or other good insurance, mesothelioma treatment would be financially devastating.

But without the individual mandate requiring that healthier people share in the cost of insuring all of us, the health insurance premium bills for people aged 50 to 65 will be ruinous. We can scrap health care reform entirely, of course, but keep in mind that if you lose your insurance before you reach Medicare age you may not be able to purchase insurance at all, at any price, if you have a pre-existing condition.

Our Disastrous Decade

The cover of Time magazine this week sums it up pretty well.
“The Decade From Hell.”
The magazine’s editors are detailing the years 2000 to 2009, the first decade of the 21st century that will mercifully come to an end when this month closes out.
They are calling it one of the worst decades in our nation’s history. And with good reason.
It began with the bitterly fought 2000 presidential election that split the country in two… a gap that doesn’t appear to have closed much.
It was quickly followed by the terrorists’ murderous assaults on Sept. 11, 2001.
That led to the Afghanistan invasion and then the Iraq war, two conflicts that continue to drag on.
In between, we suffered through the devastation of New Orleans by Hurricane Katrina, the bankruptcies of Enron, General Motors and other large companies, the fatal fall-to-Earth of the space shuttle Columbia, the collapse of the housing market, the meltdown of our economy, the Bernie Madoff scandal.
Need I go on?
This disastrous decade unfolded while Baby Boomers were at the helm. Our generation entered 2000 between the ages of 36 and 54. We exit between the ages of 46 and 64.
Those are prime years. Those are the years a generation usually has control of industry, government and society.
We did. And, frankly, we made a mess.
This is going to take years to clean up. The two generations right behind us are the ones that will probably do most of the sweeping and repair work.
Baby Boomers, we need to atone for this debacle.
First, we can admit we blew it. We drove the nation into a ditch. We should apologize.
Then, we can look forward. As I said in my book, we have 30 productive years ahead of us. We have 10,000 days to make things better.
What we didn’t do when we were middle-aged, we can make up for when we are older.
It’s time to become senior statesmen of our society. To set a good example for the younger generations. To volunteer. To help fix things like Social Security and the health-care system. To be good grandparents.
We can’t undo this past decade. But we can make the next decade a much better one.

Coming Of Age

What’s in a number? It’s a good question.
I guess my answer would be… whatever you put into it.
I turned 55 on Sunday. I could be depressed or distressed.
But I’m not. In fact, I’m actually quite joyful about it.
That may sound like someone trying to fool himself, but it’s not.
That’s because I’ve learned over the years that almost every situation can be looked upon in a positive or negative light.
Age is at the top of that list.
You don’t have total control over what happens to you. That’s especially true of getting older.
But you do have control over how you react to things.
A woman named Jackie who I worked with a couple decades ago was almost giddy on her 50th birthday. I asked her how she attained that attitude. She told me she looks at birthdays as accomplishments. That she’s reached a certain level. That’s she’s aged… like a wine.
I’ve adopted her philosophy since then. I used it on my 40th birthday, on my 50th birthday and now on my 55th.
On all birthdays, I take a moment to look back on what I’ve accomplished. I’ve been married for 33 years. I have two wonderful grown daughters. I have a delightful grandson with another grandchild on the way. I put myself through college and I’ve made a living writing for more than three decades. I’ve kept myself in good health. The list goes on.
I urge everyone to do the same on their birthdays, milestone or not. First, tell everyone it is your birthday. Don’t hide it. Second, take a moment to think about what you’ve accomplished. It’s a good day to reflect on the positive.
It’s also a good day to start something new. I took up the drums on my 50th birthday. I started learning French this year.
Have some fun, too. I’m visiting my grandmother this week. She turned 96 on Sunday. We’re actually going to Denny’s and both using their senior discounts. Awesome.
In particular, Baby Boomers should adopt this practice. It’s a good example to set for the rest of society. It’s also could go a long way toward changing the way our society looks at age. Age could start being viewed as an asset and not a liability.
Remember the saying… I’m not older, I’m better.