In response to Hansoribrother's comment:
In response to FortySixAndTwo's comment:
In response to Hansoribrother's comment:
In response to WhatDoYouWantNow's comment:
It never ceases to amaze me. With all that is fair game for criticism in Obamacare, so much of the criticism is based on a fundamental misunderstanding of how insurance worked before Obamacare......
OK, so how is it better and cheaper now?
We have fewer choices.
The government basically sets the rules for what they can cover and how they are supposed to charge for their services.
Just as with education, the more they get involved and throw money at it, the more expensive gets.
So what is better about Obamacare??
Fewer choices? How so? My company still offered the same number of choices last open enrollment.
The govt sets some minimum's for coverage. Health insurers can offer above and beyond that. Similar to medicare advantage products. Medicare offers a set of benefits. Medicare Advantage plans offered by private insurers offers benefits above and beyond what medicare offers.
OK, same choices but costs more. Super.
Health insurance companies can provide more coverage but at some point the insured gets taxed for a "cadillac" health care plan. And they cannot provide less for people that might want less, can they? Of course not.
So you do not have a choice to go uninsured.
You do not have a choice for less than what the government dictates.
Your experience does not neccessarily equate to the whole either.
"Choice" is not the right metric, or at least not understood in economic terms. Scarcity is the right metric, or at least needs to be made part of the conversaiton.
Choice as used here, is the choice between thre government mandated plans: you must choose one: between a bronze, silver, and gold plan. This is not a restriction of choice, a government induced scarcity in choice, made for the purpose, at least by plan, of lowering costs.
Real choice includes the choice to choose nothing.
Why would you not want health insurance? You do realize that the cost of those who don't have health insurance gets paid for one way or the other...usually by higher insurance premuims
Why would you not want a gun? We have the 2nd Ammendment. Maybe we should make gun ownership mandatory. After all, I don't want to pay for oyur health care as a result of not defending yourself.
Self-insure is not only a possiblilty, but many self-employed people do just that. Self-insuered means pay out of pocket, just in case your union bosses didn't clue you in.
Real choice includes the ability to pick and choose what I want to cover.
Which no one has ever been able to do on an employer based plan. Never.
You have always been able to decline insurance, and pay out of pocket. Always, until now.
So, when your company offers you plans, they are not in reality the "same" plans. Government has put restrictions and demands on the plans about what must be covered, what tests will be administered, and have lumped everyone into three catagories, that's 350 million people lumped into three categories. What youu have is a government induced scarcity of choice. That's going to raise prices dramatically.
What are you talking about? My company offers different plans from different insurers. I have the option for two different BCBS plans. One from HPHC, one from NHP and there is one other I can't recall. None of which are the same plans. They all vary a bit with copays and deductibles
From the ACA:
(1) IN GENERAL.—A health plan not providing a bronze, silver, gold, or platinum level of coverage shall be treated as
meeting the requirements of subsection (d) with respect to any
plan year if—
(A) the only individuals who are eligible to enroll in
the plan are individuals described in paragraph (2); and
(B) the plan provides—
(i) except as provided in clause (ii), the essential
health benefits determined under subsection (b), except that the plan provides no benefits for any plan
year until the individual has incurred cost-sharing expenses in an amount equal to the annual limitation in
effect under subsection (c)(1) for the plan year (except
as provided for in section 2713); and
(ii) coverage for at least three primary care visits.
(2) INDIVIDUALS ELIGIBLE FOR ENROLLMENT.—An individual is described in this paragraph for any plan year if the
(A) has not attained the age of 30 before the beginning
of the plan year; or
(B) has a certification in effect for any plan year under
this title that the individual is exempt from the requirement under section 5000A of the Internal Revenue Code of
1986 by reason of—
(i) section 5000A(e)(1) of such Code (relating to individuals without affordable coverage); or
(ii) section 5000A(e)(5) of such Code (relating to
individuals with hardships).
The variations you are seeing in the plans offered are in reference to the Bronze, Silver, Gold, Platnum plans. That these plans are offered by different insurance comapnies is meaningless. What they offer, how much they charge, all controlled by the ACA. There is more that goes into defining this, I just grabbed one segment from the hundreds of pages.
The broader point is that the type of coverage, what coverage contains, how much the insurance company can charge, is all covered under the bill.
Here's a link: