Sunday, March 12, 2017
"Health insurance is difficult to understand. And pre-Obamacare, some companies sold people bare-bones policies that looked cheap up front, with low premiums, but that saddled customers with high deductibles, co-pays and caps on coverage once people started getting sick.
“Insurance is not really the end goal here”
That's why Obamacare has a list of essential services, why it requires insurance companies to cover anyone who applies, and why it forbids them to dump undesirable customers.
In return, health insurance companies demanded a mandate or some other mechanism that made sure that more people bought health insurance — especially younger, healthier people who would pay in but not claim much back.
Polls show people like that aspect of the ACA, even if they don't like rising premiums. But the answer to higher premiums is not cutting back on coverage, medical groups argue.
"Freedom to choose junk insurance has nothing to do with getting the care we need," said RoseAnn DeMoro, executive director of the National Nurses United union.
She says that's what Ryan's bill threatens to do."
The GOP Wants More Health Care Choices. Is That Really a Good Idea? - NBC News