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Old 04-28-2016, 03:12 PM   #41
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A repeal would be a full repeal, with vague promises of a replacement, which mostly come down to more use of HSA accounts and "competition across state lines."

Some politicians have not been shy about saying pre-existing conditions should not be retained.
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Old 04-28-2016, 03:14 PM   #42
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I would like to see all gov't employees (especially Fed employees) switched from employer based plans to the ACA system. They could be given a stipend adequate to cover the cost of the average silver plan (or similar compensation scheme). This would show that the gov't has confidence in the ACA. Providing gov't employees with employer provided plans simply says the opposite.

In additional to displaying confidence in the system, this would give the ACA providers greater economy of scale and would also add additional young, healthy folks to the pool. And, IMHO, the question of survivability of the ACA system, as discussed in this thread, would be greatly diminished. Folks could ER using ACA with greater confidence since they would be part of the same system which includes tens of millions of gov't employees.
I could live with that. I am under the Federal Employees program now (coupled with Medicare). All members of Congress and Congressional staff are under the ACA now. Their costs get supplemented (to the same degree non-legislative Feds get premium susidies) but that is no different than employees of any large company.
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Old 04-28-2016, 03:16 PM   #43
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A repeal would be a full repeal, with vague promises of a replacement, which mostly come down to more use of HSA accounts and "competition across state lines."

Some politicians have not been shy about saying pre-existing conditions should not be retained.
It will never pass the political process. I would be more concerned with a huge tax increase on dividends and social security, or long waiting periods to get healthcare, those may dwarf any healthcare increase expense.
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Old 04-28-2016, 03:18 PM   #44
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Old 04-28-2016, 03:18 PM   #45
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So how did state high-risk pools work out before?
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Old 04-28-2016, 03:18 PM   #46
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If you're already paying $14K per year that sounds like you're not getting much, if any, subsidy so it would seem that with or without ACA you'd still be paying something close to that amount.

I suspect the pre-existing component is dead and won't revive regardless of what the future brings.
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Old 04-28-2016, 05:19 PM   #47
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Thanks for the discussion.

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