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

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]What problems will ACA solve?[/quote]

Access to health insurance. The ACA will reduce the number of people who don't have health insurance.[/quote]

That has yet to be seen.  First of all, you have to be able to actually enroll, which is difficult to impossible at this point.  How many younger healthier people will just opt to pay the fine?  Second, many folks with non- ACA compliant individual plans have had their insurance canceled, only to find that the plans on the exchanges are much more expensive and/or have much higher deductibles.  Not to mention all of the folks who have their hours reduced below 30 hours, and dumped off their employers plan, and/or their employer has under 50 employees, and their insurance was non-ACA compliant, so they just stopped covering their employees altogether.

My understanding is that the "affordable" (subsidized) premium numbers being cited have high co-pays, which are not subsidized.  That's going to be a shocker for some low-income folks when they actually try to go to the doctor.

At the end of the day, there very well could be fewer insured people in the US when this is done.  [/quote]

When you say, "non-ACA compliant" what you're describing is a low cost insurance plan that doesn't actually cover anything, and could be canceled when the policy holder tried to make a claim. This is a bit like passing a law that says "everyone must have a functioning smoke alarm in their home", and then being upset when folks who own a cardboard box that's painted red and stuck to their ceiling must be replaced by an actual, functioning smoke alarm.

"I *had* a smoke alarm, and now I have to buy a more expensive one???"

Also, there's exactly zero evidence that significant numbers of people have had their hours reduced below 30 hours. In fact, some have had their hours increased.[/quote]

A smoke alarm makes an alarm noise in response to smoke. A cardboard box painted red does not. So that never was a smoke alarm to begin with  :roll:

Could be isn't the same as will be.

I am self-insured and have been for 12 years. Never a hitch and I've had surgery, tests, etc. [/quote]

Just so we're clear, "self-insured" means that you do not have a traditional insurance policy, and instead you set aside money to cover any eventualities. Or did you think it meant something else?[/quote]

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