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This is a 2019 article covering a study that covers 2000 to 2012 and doesn't mention the Affordable Care Act signed into law in 2010. Insurance landscape has ch
by OnACoffeeBreak 8y ago
This is a 2019 article covering a study that covers 2000 to 2012 and doesn't mention the Affordable Care Act signed into law in 2010. Insurance landscape has changed quite a bit in the USA since ACA, which makes this not very interesting. What I would be interested in is repeating the study now and comparing results.
- corbet 8y agoI would expect the results to be no different - the article was talking about people who already have insurance. I've been through the incredible medical-bill maze that results from cancer treatment since then; it's just the same. The ACA was explicitly designed to perpetuate the current insurance system, why would you expect the situation to have improved?
- lotsofpulp 8y agoBefore ACA, there were lifetime benefit limits. After ACA, there is no limit, so it will have greatly changed the situation that people facing years of very expensive treatment faced. Now, you are spending a max of $10k per year on in network providers, or whatever your annual out of pocket max is. Before the insurance company had the option of telling you that you've maxed out your benefits and you're on your own, and/or not offering health insurance coverage for you in the future period. The removal of lifetime benefits, ability to deny pre-existing conditions, and setting a maximum range between the lowest premium that can be offered and highest premium that can be offered greatly improved access to health insurance benefits for everyone. At the expense of making it more expensive for the young and healthy, but obviously someone has to pay, and we as a nation don't want it to be via taxes.
- cannonedhamster 8y agoI got cancer in 2018. Very little has changed. It's still very expensive.