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View Diary: HEADS UP! ACA Problem to Reappear Same Time Next Year - Just Before 2014 Election (37 comments)

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  •  You're missing the scope of the issue >>> (1+ / 0-)
    Recommended by:
    ybruti

    There's a whole other marketplace outside the exchange which will continue to exist.

    Here's a link to the section of healthcare.gov devoted to customer's of the other marketplace.

    https://www.healthcare.gov/...

    There is no existence without doubt.

    by Mark Lippman on Thu Oct 31, 2013 at 08:17:00 AM PDT

    [ Parent ]

    •  So I'm confused. (0+ / 0-)

      I've clicked on all the links at HC.gov. Isn't the "marketplace" simply what they are calling the exchanges? Why would they set up (or refer people) to a competitive option? That makes no sense.
      I know that a private insurance market will still exist. That's a given, but their premiums for most people will undoubtedly be higher than the exchanges.
      In England, if I recall correctly, people who want "fancier" coverage/access than the NHS offers, can buy additional insurance and have access to different hospitals and DRs. Correct me if I'm wrong.
      It says right on this page that the "Marketplace" is run by State and Federal government.
      What am I missing?

      America is a COUNTRY, not a CORPORATION. She doesn't need a CEO. Vote Obama.

      by manneckdesign on Thu Oct 31, 2013 at 09:13:21 AM PDT

      [ Parent ]

      •  I added an Update which answers your question./ (1+ / 0-)
        Recommended by:
        manneckdesign

        There is no existence without doubt.

        by Mark Lippman on Thu Oct 31, 2013 at 12:44:42 PM PDT

        [ Parent ]

        •  Thanks for the update. That helps a lot. (1+ / 0-)
          Recommended by:
          Mark Lippman

          It seems to me that the solution next October would be for Democrats to be prepared with two key messages:

          a) That the exchanges have worked in providing people access to affordable health insurance. You needn't look any further than the difference in costs between public plans through the exchanges and private plans. This is proof that the exchanges are working.

          b) The increases in private insurance rates would likely have been at least as much, if not more, if it weren't for the Affordable Care Act, which helps reduce health care costs across-the-board. (Democrats should be prepared to give annual health care insurance costs prior to and post-ACA.)

          As far as your point that there will be a dual system operating simultaneously...well...there already was a dual system...public health care for those who had access to it (Medicare, Medicaid, VA health care, etc.) and private health insurance. The same holds true now. The only difference is that, as more and more people navigate to public plans through the exchanges, the pool gets bigger and costs go down. As a result, it's perfectly logical that rates would go up for private plans since the pool of participants will likely be shrinking, at least for the foreseeable future.

          •  It's not clear to me if the insurance companies (1+ / 0-)
            Recommended by:
            wdrath

            are accountable to the federal government because they answer to state commissioners. I'd like to see oversight from the federal level about how they compare the performance of their private plans with the exchange and how they determine premium increases for each.  

            The Insurance companies have their own interests to consider, namely profits for their shareholders. That's not true with Medicare, Medicaid, & the VA

            There is no existence without doubt.

            by Mark Lippman on Thu Oct 31, 2013 at 02:22:54 PM PDT

            [ Parent ]

        •  thank you nt (1+ / 0-)
          Recommended by:
          Mark Lippman

          America is a COUNTRY, not a CORPORATION. She doesn't need a CEO. Vote Obama.

          by manneckdesign on Thu Oct 31, 2013 at 02:06:47 PM PDT

          [ Parent ]

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