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View Diary: HCR:  Where Do We Go Now, Sweet Child 'O Mine? (45 comments)

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  •  Tipped and rec'd... (1+ / 0-)
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    jim bow

    overall agree, couple of quibbles...

    1. Do not agree with community rating regardless of size of family...that is the anti-choice position on HCR to discourage aborton/family planning...there should be some upcharge based on number of children, perhaps with a cap on families over 5 children...so those who choose to not engage in family planning do not get subsidies for thier insurance by those who have smaller families
    1. I think that plans outside the exchanges should be legal but with no subsidies available and some clear plain english disclaimer language that this plan does not meet federal exchange standards and can result in bankruptcy and gaps in coverage that can be financially devastating to you and your family.

    Other than that we agree as usual...

    Obama - Change I still believe in

    by dvogel001 on Tue Jun 15, 2010 at 01:52:58 AM PDT

    •  Okay (0+ / 0-)

      On the family structure rating, I was following the 1993 Clinton plan community rating (H.R. 3600, Sect. 1384).  I did not know about what you wrote.  At the end of the day, most families will still qualify for some subsidy, so I doubt the family structure rating will matter that much.

      My fear with 2. is still adverse selection, although not qualifying for federal subsidies should do the trick, as you have.  A 27-year-old bachelor is more willing to take the discount from a plan not meeting federal standards than someone who needs a walker or dialysis. ...

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