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Healthy people that choose the cheaper policies will be at risk of the insurance company refusing to pay a claim and accusing the claimant of hiding a pre-existing condition. Even if the healthy person was 100% healthy when they got the policy. Could be a refusal for a $100,000 surgery even though the insurance policy was active during the time of surgery and approved by the insurance company.
This happened to my aunt with a pre-aca policy. She was a small business owner and paid the full premium for many years. She got cancer and had surgery. The insurance company refused to pay the bills afterwards, although they approved the surgery and her premiums were paid and up-to-date.
Healthy people that choose the cheap non-ACA compliant policies will get cheaper monthly premiums, but if they get an expensive claim later, the insurance company will try their best to deny paying that claim and there is no ACA rule to protect you. The insurance companies got away with this prior to ACA and they will be able to do it again if you choose the cheaper 'no frills' policy. Many people will choose these policies and will unknowingly get their big claims denied later. The carriers only do such denials when the claims are big.
If you want a good policy that doesn't do this(aca complaint), then you'll have to pay a very high monthly premium because the young healthy people will flock to the no frills(no protection 'cancel you if your claim is big' policies). The remaining people on the good policies will be older or sicker and will result in a skewed pool of insureds - causing monthly premiums to spike.
In the end, you will have 2 choices - 1) cheap policy that might refuse to pay a big claim if you ever get sick or injured or 2) a good policy that costs much more per month than today.
Even people with good jobs that pay their own premiums will be faced with the 2 choices above. If they want a decent insurance policy, they'll pay through the nose (much higher premium than ACA premiums today)
With all due respect I think it's quite possible you may not have all the facts associated with your aunt's pre ACA situation. It does not make any sense the insurer approved the surgery and then later , denied the claim.
Is it possible your aunt may not have fully understood her financial obligation for co- insurance. There were plans that expected the insured to pay the lion's share of expenses or had ridiculously low annual/ lifetime caps and/ or did not cap out of pocket annual expenses or the cap did not include the deductible.
Many people, too many people think all insurance is alike.
I hVe lost track of the number of posts that sought to make outrageous claims about the cost of premiums and outratio us deductibles. This year the out of pocket cap is $7150 for an individual and the deductible is applied towards the cap. It is not possible for someone to have a deductible greater than the annual out of pocket cap.
No argument from me that premiums are unaffordable for some people.
If I were Queen, health insurance premiums would be based on your health, just like your car insurance is based on your driving record. You drink and get a ticket, your car premiums go up.
So called lifestyle diseases which are self inflicted due to overeating, smoking, no exercise, alcohol, drugs would result in higher premiums. However, when you stop those self destructive behaviors and your health improves, your premiums would go down.
Only real diseases like Parkinson's, cancer, multiple sclerosis, muscular dystrophy, etc. (you can't choose to not have them) would go into a high risk pool and people would be means tested to qualify for subsidies.
Means testing all entitlement programs including Social Security and Medicare would allow more coverage for people who are poor.
Meanwhile, stop being so partisan. We all know Dems and Reps are two sides of the same lazy, greedy coin. They play political games instead of working for constituents. There are a few good guys but the rest need to be replaced. Have substitute candidates waiting in the wings for their seats and it might inspire them to do their damn jobs.
Don't put out the magnets to get free healthcare.. many come here for the free healthcare..
Welll....You guys hijacked the Republican party--it was brilliant, btw. But the establishment has been waiting for their moment...and if there's one thing that the last 8+ years have taught us..it's that the Republicans are great at saying no.
As an aside,,what do you think would happen to Trump and the Alt/right agenda, if all those 'RINO's took your advice and crossed the aisle.
I'd be very careful what I wished for.
You have no idea the democratic party have become socialists.. it is not the party of JFK.. he was a socialist hater. JFK today would be considered a right winger .. compared to what the democrats are today. A bunch of socialist takers .
You have hit the proverbial nail on the proverbial head.
Trump just talked a bunch of BS during the campaign. Turns out he is just a lazy president. He left the ACA repeal bill to Paul Ryan, and then to Mitch Mcconnell and a few senators. Like Obamacare or not, contrast the amount of effort Barack Obama put into it with what Trump has done.
The thing I think most people are missing is that most Republicans would be happy to see the ACA just disappear, a la Rand Paul, and go back to the way things were before 2010. Unfortunately, it turns out people like being able to get health insurance not tied to an employer. Bad problem for republicans. Of course the ACA does have its problems.
The situation calls for a real leader. Unfortunately, we're stuck with Donald Trump.
I thought you were a Trump supporter. This ridiculous bill needs to go down in flames.
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