Reply to Anyone have experience with a "high deductible" health insurance plan?

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Reply to "Anyone have experience with a "high deductible" health insurance plan?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]And don't forget to think about this when you vote!![/quote]

Why? How would that help drive down medical costs? Big Pharma is in both dem and republican's pockets. [/quote]

These problems have arisen with aca - if it's repealed we can all go back to our plans from before - in a lot of ways it's so expensive people are struggling now [/quote]
Sorry, but prior to ACA I couldn't get private insurance due to pre-existing conditions.  At one point, a long time ago, I did have private insurance (before I worked for a company, then I dropped the private insurance, then tried to switch back to private), the premium kept going up by ridiculous amounts every year.  I'm thankful for ACA.

The issue is medical costs and greed, pure and simple.  [b]ACA is also forcing insurance companies to spend x% of the premium on medical cost. Prior to ACA, this was not the case.[/b][/quote]

Yes, insurance companies are now required to spend 80% of the premium income from small businesses and individuals on health care claims and quality improvement. This leaves 20% for administration, marketing, and profit. For large employers, that threshold is 85%.

Why do you think it is bad that insurance companies have a minimal threshold? Previously, they could be spending far less than 80% (even for large employers).

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