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It's not that they actively discriminate. It's because ACA plans are lumped into one big risk pool per market and ACA plans, by nature, attract more expensive p
by zrail 7y ago
It's not that they actively discriminate. It's because ACA plans are lumped into one big risk pool per market and ACA plans, by nature, attract more expensive people.
- edoceo 7y agoBut what if it had everyone in the USA in the plan? It seems this, bigger, lumpier pool could aggregate the costs and reduce burden for everyone.
- zrail 7y agoYes. This is the nature of many of the “Medicare for all” plans that are winding their way through Congress.
- sambull 7y agoSeems like the only answer would be one risk pool then.
- zrail 7y agoYes. That is one way to think about the invisible high risk pools and reinsurance plans that some states have now for their ACA plans. Essentially they cap the per-individual risk in each pool and transfer the excess to the state as a whole. Several national plans like that have been proposed in Congress over the years but have failed mostly for partisan reasons.