Comment by pxmpxm
3 hours ago
Bronze plan is shitty catastrophic insurance at like 5x the actuarial cost to try to fund risk pool and all the mandated benefits thst the o/p alluded to
3 hours ago
Bronze plan is shitty catastrophic insurance at like 5x the actuarial cost to try to fund risk pool and all the mandated benefits thst the o/p alluded to
Can you explain what these mandated benefits you think shouldn't be covered?
Off the top of my head maternity/neonatal/family planning type of benefits are mandatory for obamacare compliant plans. That essentially outlawed all the affordable young adult catastrophic plans.
I have spent some time looking at healthcare costs, but I have not seen maternity/neonatal/family planning as a significant driver of costs. It would be surprising if so, given falling birthrates and growth in the elderly population.
Do you have data that shows this is the case?
What you're, essentially, advocating for is a massive increase in premiums for families so that people without children can get a tax cut. Which would objectively benefit me, but would be incredibly disastrous for American society in general which is already struggling with insane family care costs. I would really hope you could see why the second order effects on such a change would be a bad idea.