My saga to find a dr. to accept my Obamacare Blue Cross Insurance

[Ms. Toad]

38. There is no such thing as Obamacare. That was a derrogatory term created by Republican

All plans currently available (aside from a few grandfathered plans) are ACA plans. Both employer and exchange plans are part of the ACA. If the ACA vanishes - my daughter's employer-based plan vanishes.

If providers are limited, it is because of the package the insurer negotiated - NOT - whether your policy was acquired through an employer of the exchanges. The metals are rough designations of the minimum package a plan with that label covers.

The special rules associated with the exchanges have to do with open enrollment periods and cost-sharing subsidies (including the metal labels - which are linked to the subsidies). The reality of Trump monkeying with the cost sharing subsidies has caused instabilities in the marketplace that impact the stability of employer-based plans less (since the employer-based plans are not mandated to provide cost-sharing subsidies).

And, as has always been true, access to affordable health insurance has always been easoer through a large employer who has the muscle to negotiate a better deal. That doesn't mean it is an inherently different beast. It's all in negotiating power.