Dave Galanter
December 1st 1969 - December 12th 2020
He was loved.

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Member Since: Fri Apr 28, 2017
Posts: 3,554
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Member Since: Sat May 17, 2008
Subj: Re: Its most likely a bleak future but I can say...
Posted: Wed Dec 20, 2017 at 03:25:22 pm EST (Viewed 527 times)
Reply Subj: Re: Its most likely a bleak future but I can say...
Posted: Wed Dec 20, 2017 at 01:46:50 pm EST (Viewed 530 times)

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The whole thing was something of a mixed bag depending on the region. At least in terms of premium cost. In some respects the bill was achieving its goal of getting more people insurance but affordability was hard. It always was.

Main reason being that tinkering with insurance and insurance markets can only do so much when health care costs themselves are still growing at very fast rates. Until that is addressed the core issue remains. That said, what the GOP did was really stupid.

IMO, it is hard to tell what is a failing of the ACA and just because of resistance to it. The system itself covered more people through the expansion of medicaid. That was neutered by the SCOTUS and states not buying in. This left a large number of people in limbo between medicaid and the expected exchange area that were meant to be covered.

The government also pulled out, recently, some of the offset measures to help keep premiums low. The government does help with subsidies but those are dependent on income and it makes this pretty expensive if you d onot qualify for those.

I think what many lose track of was that before the ACA the insurance markets were worse than they are. That may shock some of us with our short term memories but establishing a minimum set of requirements was critical to helping make sure people actually had useful insurance. There used to be plans where somebody paid next to nothing each month but all they had was a piece of paper. No coverage.

Not to say MM experience is wrong, depending on where you live the rates are still going up. But they always were. I think given the nature of it people are just very focused on it now.

What we get to look forward to now is a death spiral for the individual market place. Many more people losing insurance and insurance rates increasing. Any decrease we could see would be due to people leaving the market place.

As many American's get insurance through work, it is hard to say what happens to them but it is not likely positive.

Another aspect is while the mandate would be removed the restrictions on insurance remains. What insurers have to meet. So, one would expect the markets to go up higher than is useful and pricing most people out. One would also expect this to lead to increases for everybody at a rate higher than would otherwise be predicted.

...how many of these insurance companies manage to wheedle out of paying their customers when to comes time to help the sick.

It's like home owners insurance and so on...a constant scam preying on us, with our government not protecting us at all.

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