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Old 07-09-2018, 05:11 PM   #21
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Originally Posted by rodi View Post
As someone who is on an ACA plan and still in my 50's... I'm definitely going to watch these impacts. I'm hoping the pre-existing condition thing doesn't get blown up.
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Old 07-09-2018, 05:12 PM   #22
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People who buy ACA is a small percentage of the population. And the people who pay out of pocket, without subsidies, is an even smaller portion.

I think before there's drastic change, the bulk of the insured would have to see their coverage deteriorate, namely people who get insurance through work. They comprise like 150 million.

In that market, deductibles and out of pocket costs are going up, in many cases unaffordable for people to meet the deductibles so there are more stories of people going without care, especially prevention care and testing and even people who don't take prescribed drugs.

It maybe be awhile before the bulk of that 150 million cohort sees their coverage deteriorate to the point where tens of millions clamor for change.

There's just as good a chance we revert to the situation before the ACA as there is of the country moving on to some other system.
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Old 07-09-2018, 05:26 PM   #23
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The ongoing unsolved problem is the increasing cost of the medical care itself. The insurance intermediaries (public or private) consume a relatively small portion of the expenditures, and at least in theory the cost they impose are to some degree offset by cost containment functions they perform, often in their own interests as well as those of the patient (coordination of care, fraud reduction, etc).
Improving the efficiency of providing health/wellness services is where the most important changes must come if any system is to work over the coming decades. Getting the incentives right will be key to that, IMO.
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Old 07-09-2018, 05:43 PM   #24
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Originally Posted by ShokWaveRider View Post
Makes a Medicare for all solution more attractive. The money would go direct to the providers instead of the insurance companies. Seems to make a lot of sense.
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Old 07-09-2018, 07:36 PM   #25
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To be clear, I did not start this thread.
I posted the article to the "ACA Rate increases for 2019" thread, thinking it was relevant based on this quote - “Any action to stop disbursements under the risk adjustment program will significantly increase 2019 premiums for millions of individuals and small-business owners, and could result in far fewer health plan choices,”

Sorry about the political entanglement.
No need to apologize, you’ve done nothing wrong. I started the new thread with your post, becasue it merits its own discussion, is relevant, but doesn’t really fit the thread on 2019 price increases, which are very specific. This change in policy hasn’t even been fully announced, and few details are available. In addition, in many cases 2019 have already been submitted to state insurance regulators, so the impact of this announcement is quite uncertain.

It would be nice if folks would keep politics out of the discussion.
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