11-14-2016, 01:30 PM
(11-07-2016, 01:26 PM)Mike M (the other one) Wrote: What my wife's company offers is irrelevant to the number of carriers that is supposed to be offered on the ACA, neither of us live in OK, so it doesn't affect us, but it does affect my friends. You said you wanted examples, I provided one.
The goals of the ACA was to find a way to cover middle to lower income people that don't qualify for Medicaid by:
decreasing the costs of healthcare
increasing coverage offered by healthcare
improve accessibility to people.
Competition is detrimental to reaching the stated goals, with no competition, we are right back where we started. 1 company dictating the prices it wishes to charge, and if you can't afford the new rates, then tough luck, you'll be fined by the IRS at the end of the year.
Looking over open enrollment options: In Georgia my employer offers a choice between Anthem and Kaiser Permanente. (In California, employees can choose between Anthem and Anthem.) No one accepts Kaiser Permanente in my area so it isn't a viable choice unless I want to pay out of network prices for everything. I enrolled in the Kaiser policy last year after checking their web site to make sure our doctors were in network. When I saw my doctor I was informed they haven't accepted Kaiser Permanente for 4-5 years, but the insurance company hasn't updated their website. So I realistically have a choice between Anthem or Anthem.
Eighty percent of Americans have employer sponsored health insurance. Personally, I have had between 1-3 options to choose from which is less policies to choose from than many of the state health insurance exchanges which offer Obamacare. This has nothing to do with Obamacare.
So what your wife's employer offers is relevant to your complaint; limited choices.
