They would prey on the fact that the avg consumer (by design) has no idea how high the "sticker price" of medical services are
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Replying to @arthur_affect
So it'd be like "Oh, you get $50 per doctor's visit, that sounds good" when the sticker price of a doctor visit can be like $700
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Replying to @arthur_affect
One of the important things abt essential coverage is being harassed abt defining coverage as covering actual costs
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Replying to @arthur_affect
Fixed indemnity vs actual cost will always be cheaper for the insurer on every lvl, puts all the homework of risk assessment on the customer
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Replying to @arthur_affect
You can expect to see an explosion of such plans if they open the floodgates, esp if they can be paid for by tax subsidy
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Replying to @arthur_affect
Paul Ryan is all about the idea that for some person's "needs" the very low premium + the absurdly useless indemnity is the "right choice"
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Replying to @arthur_affect
Even if the actual math done by the actual actuaries at the company says otherwise, which is the whole damn reason they're selling it
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Replying to @arthur_affect
That's the whole problem w the damn industry, nobody actually can calculate what a "good deal" is on their own
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Replying to @arthur_affect
You have to go to school to become an actuary and have a bunch of tables built on years of research to actually make that assessment
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Replying to @arthur_affect
But we still treat random citizens' "freedom" to "shop around" as an intrinsic moral good that must be protected
1 reply 7 retweets 20 likes
And yes, this is a problem with the ACA status quo and its Douglas Adams-esque "rigidly defined areas of doubt and uncertainty"
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Replying to @arthur_affect
Can't just have one plan, have to have gold/silver/bronze plans that shift money around based on your risk profile
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Replying to @arthur_affect
Which requires me to assess my own risk level of needing healthcare in the next year, which is fundamentally impossible
3 replies 4 retweets 10 likes - Show replies
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