Many Say High Deductibles Make Their Health Law Insurance All but Useless

[SickOfTheOnePct]

44. Your first statement is simply not true

First, preventative care is free under all plans - that's part of the law.

Second, the "fancier" plans, as you call them, are much more expensive than the bronze plans, and they aren't being subsidized by the other plans, they're being paid for with high premiums.

As to your title, if the money isn't getting back to the actual policy holders, that isn't the fault of the insurance companies, that's the fault of whomever is administers the plans. For an employer sponsored plan, the money goes back to the employer, and they can choose to give it back to their employees in the form of cash, in the form of reduced employee premiums for the next policy years, or they can keep it themselves.

Yes, CEO salaries are included in expenses, which in the aggregate can't exceed 20% of the money they bring in.

Single payer is the way to go, IMO, but let's at least be intellectually honest about what the ACA does and doesn't do.