It's about deductibles mostly. The deductible is how much you have to pay in a calendar year before the plan covers anything and that is several thousand dollars minimum. About 6 grand for an individual for the bronze plan I think. That's on top of the monthly cost, which is around $400, for a bronze plan individual. Of course, it's a sliding scale for plan quality with the monthly increasing and the deductible decreasing going up the scale from bronze to platinum. Fortunately, all plans have probably been calculated to fuck you over equally by a cadre of dead eyed actuarial freaks.
And that's not getting into out of network shenanigans, where they can charge you full unnegotiated price for like an anesthesiologist because they're contracted to the hospital but not in your insurance shit or whatever. I'm not even sure if that happens to ACA plans, but it probably does because why not, it was all for the insurance companies anyways
I think pretty much the only positive with the ACA is that insurance companies can't refuse to sell you or charge you more for having preexisting medical conditions, which is like the slightest alleviation of relentless barbarism
There's a reason why even the most dead-eyed Republicans and neoliberal demons still talk about protecting people with pre-existing conditions - it was absolutely relentless barbarism back before the ACA protections came into play.
Back when the ACA passed, something like 33% of Americans were effectively locked out of the private health insurance market because of a "pre-existing condition". Today, it's likely more like 40-45% of Americans. There's no way that the system would be sustainable if we got rid of those protections.
It's about deductibles mostly. The deductible is how much you have to pay in a calendar year before the plan covers anything and that is several thousand dollars minimum. About 6 grand for an individual for the bronze plan I think. That's on top of the monthly cost, which is around $400, for a bronze plan individual. Of course, it's a sliding scale for plan quality with the monthly increasing and the deductible decreasing going up the scale from bronze to platinum. Fortunately, all plans have probably been calculated to fuck you over equally by a cadre of dead eyed actuarial freaks.
And that's not getting into out of network shenanigans, where they can charge you full unnegotiated price for like an anesthesiologist because they're contracted to the hospital but not in your insurance shit or whatever. I'm not even sure if that happens to ACA plans, but it probably does because why not, it was all for the insurance companies anyways
I think pretty much the only positive with the ACA is that insurance companies can't refuse to sell you or charge you more for having preexisting medical conditions, which is like the slightest alleviation of relentless barbarism
There's a reason why even the most dead-eyed Republicans and neoliberal demons still talk about protecting people with pre-existing conditions - it was absolutely relentless barbarism back before the ACA protections came into play.
Back when the ACA passed, something like 33% of Americans were effectively locked out of the private health insurance market because of a "pre-existing condition". Today, it's likely more like 40-45% of Americans. There's no way that the system would be sustainable if we got rid of those protections.