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(51,907 posts)
Fri Mar 22, 2013, 08:09 AM Mar 2013

ACA health care plan requirements "too rich"?


"I think consumers can expect new health plans next year are going to be somewhere between 40% to 60% more expensive," said Bob Hurley, eHealth's senior vice president of carrier relations. "I think there is a fair amount of concern that the health plan requirements are too rich."

Comment by Don McCanne of PNHP: Many critics of the Affordable Care Act (ACA) say that the health plans to be offered in the proposed state insurance exchanges should be replaced with plans that have fewer regulatory requirements and that can be sold across state borders. They often cite the bargain prices of plans offered by eHealthInsurance as an example of how we could make health insurance more affordable for everyone. So what is eHealthInsurance offering?

By their own analysis, eHealthInsurance does not consider their plans to be comprehensive unless they offer the eight benefit categories listed in the article excerpt above. If those benefits are included, the premiums are 47 percent higher for both individual and family plans than the premiums for their cheapest plans. Note that these eight benefits are not the same as the ten benefit categories that are required as essential health benefits under ACA, so it is likely that the premiums under ACA will be even more than 47 percent higher than the cheap eHealthInsurance plans. This doesn't even take into consideration cost sharing such as the deductibles.

There is already concern that the benchmark silver plans under ACA, with an actuarial value of only 70 percent (patient pays 30 percent of costs, which might be partially offset by income-indexed subsidies), may leave patients vulnerable to excessive out-of-pocket costs. If the stripped down eHealthInsurance plans were allowed as replacements for exchange plans, it is inevitable that most enrollees would face financial hardship should they develop significant medical problems.

So what is the response of eHealthInsurance? eHealth senior vice president Robert Hurley says, "I think there is a fair amount of concern that the health plan requirements are too rich."

This exposes the highly touted low cost eHealthInsurance plans as the shoddy plans that they are. You might be nominally insured, but don't you dare get sick.
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ACA health care plan requirements "too rich"? (Original Post) eridani Mar 2013 OP
Perhaps it's the health industry corporations who are too rich. reteachinwi Mar 2013 #1


(579 posts)
1. Perhaps it's the health industry corporations who are too rich.
Fri Mar 22, 2013, 08:23 AM
Mar 2013

Perhaps worst of all, the CEOs of large not-for-profit providers are paid literally millions of dollars (OK, not tens of millions like big for-profit companies, but still …), thereby introducing into a supposedly public-good-oriented setting the compensation (and marketing) tone of for-profit industry.

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