I disagree. People did pretty crazy things to get or keep health insurance pre-ACA (e.g. stay at a job they hated). People understand the value of having it.
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Maybe you're right and the estimates of 13 million are wrong. Repealing individual mandate means almost anyone who "loses" insurance chooses not to buy it. Pay-go rules probably mean future Medicare/caid cuts. But nothing in the bill forcibly takes away insurance.
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It makes it less affordable. I've got too much else to continue arguing about this so I will exit here. Have a nice evening.
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I hope you have a nice evening too.
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Does the bill remove funding for expanded Medicaid in states that accepted it, such as IN where I reside and depend on HIP2.0 for coverage?
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I don't think so, but I'm not sure about that specific case, so you shouldn't take my word for it.
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Because I have read some claims that it does, but who knows because few have been able to read the bill. Over 15 million US citizens have been able to enroll in Medicaid due to the ACA expansion.https://www.kff.org/health-reform/state-indicator/medicaid-expansion-enrollment/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D …
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The "choose" because of lack of affordability. Nobody sane relishes being uninsured.
Thanks. Twitter will use this to make your timeline better. UndoUndo
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W/O the mandate, the pre-existing conditions provision doesn't work. Adverse selection will cause a "death spiral" in the individual market. It's the same reason why we don't only sell car insurance to bad drivers. Insurance companies will leave the market.
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It's not completely clear what's going to happen. Between Medicaid (mostly free to those who qualify) and premium subsidies (keep coverage affordable for people eligible even if sticker price of premiums skyrocket) there will likely be many healthy who stay in.
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Not to be rude but check my bio, I get how it works. Medicaid isn't free to the gov't. GOP has been trying to eliminate expansion since the start. Majority of ACA enrollment was Medicaid. So when (not if) the individual market fails, the law is repealed,
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Oops! Sorry for not checking your bio. Yeah obviously it throws a wrench in the works, but until there actually are changes to Medicaid, this doesn't actually affect people's costs buying Medicaid, right? Nor their benefits?
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And with subsidies this year allowing some people to get plans as low as $75/month, you'd expect that there will still be a lot of people buying private insurance even without the mandate, right?
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It's not about anecdotal numbers. Healthy young people don't buy insurance unless they have to. So even if a small percentage of them don't, it triggers price hikes (especially if the uninsured get sick or injured...which we all pay for). The spiral will start eventually.
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Obviously it will lead to fewer people signing up and higher premiums. But with those shocks being insulated for people <400% FPL, doesn't that mean we still eventually get an equilibrium, at higher costs and lower enrollment? CBO said Skinny Repeal was long-term stable, IIRC.
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I am not an actuary but I do not believe we will. Maybe you'd reach an equilibrium in a market like car insurance because the worst drivers will be cut off. That's why the pre-existing conditions provision and the individual mandate go hand-in-hand.
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