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

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[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]

At the end of the day, the next time it snows, the streets could burst into flames, but it is extremely unlikely.

It seems that you are looking for problems where they don't exist.  If young people pay the fine, then the number of insured people does not go down.  And what is the point of dropping the hours of employees who already have company-paid health insurance?  Not much, unless their plans are worse than the ACA ones.  And the bar is not especially high on the bronze and catastrophic ACA plans.

At the end of the day, it's really hard to imagine a world in which the government subsidizes a benefit and yet fewer people enroll.[/quote]

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