Reply to DC Health Exchange- all options are really expensive?

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[quote=Anonymous][quote=Anonymous]How does ACA improve access? If anyone has the funds, they can get health insurance on their own. I've been self-insured since April 2007. This is a CROCK. It's not affordable. That said, ACA may help those with pre-existing conditions get coverage for the first time, or lower their premiums. I just don't understand why the government and the health insurance industry didn't figure out a way to do this outside of the government. No reason health insurance should be linked to the IRS, with a tax penalty if you don't get insurance. Outfuckingrageous considering all the tax breaks the rich and corporates get! [/quote]

How does the ACA improve access? Well, let's see.

1. No excluding based on pre-existing conditions.
2. No lifetime benefit cap.
3. Children can stay on their parents' plan until they're 26.
4. Employers with 50+ employees must provide health insurance to their employees or pay a penalty.
5. Households with incomes of 100-400% of the poverty level get subsidies to pay for health insurance.
6. People under 65 with family incomes of up to 133% of the poverty level qualify for Medicaid (in states that accepted the Medicaid expansion).

As for the reason health insurance is linked to the IRS -- well, what is your suggestion for making sure that everybody (sick and healthy) complies with the requirement to have health insurance?

And saying "if anyone has the funds, they can get health insurance on their own" is kind of missing the point. Yes, if you have enough money, you can buy anything. The point was that lots and lots and lots of people did not have enough money to get health insurance on their own.[/quote]

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