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All I know is that in 2013 I was able to get insurance in the private market to cover myself. It was ~$80 a month and the deductible was $2000. Now, there is

All I know is that in 2013 I was able to get insurance in the private market to cover myself. It was ~$80 a month and the deductible was $2000. Now, there is only one company left in my state that will even offer plans in the private market. The closest plan to what I used to have has gone up ~6x in price and the deductible has tripled. The prices started going up immediately after the ACA came into being I think the cause and effect are pretty clear.

MichaelApproved 7y ago
Your $80 insurance was trash. You think you had coverage but the moment anything serious happened to you, you'd get thrown off. Cancer? Bye. Heart problems? See you later. They were a fraud and you were getting ripped off. ADA put an end to that fraud. Insurance companies could no longer arbitrarily throw you off. That's why premiums went up from $80. They had to actually provide coverage. Now you know two things.
- pmorici 7y ago
  I liked it just fine, I'm aware of the change the ACA brought into effect with regard to the preexisting conditions. I'd rather have affordable options than a single un-affordable choice. Whether the insurance company doesn't cover a pre-existing condition or you can't afford the premiums the out come is the same. I'd argue that no insurance at all is worse but reasonable people could differ on that.
larrik 7y ago
The prices started going up as soon as ACA was being voted on, "just in case". Edit: It seems my comment is being interpeted as for or against ACA, when the point was really that insurance companies will raise prices over every potential regulation change.
- mywittyname 7y ago
  The ACA was in response to 20 years of super-inflationary price increases and the inability of huge swaths of people to even afford healthcare.
LAguy 7y ago
Prior to ACA, your pricing reflected the fact that the insurance co. could refuse to cover people with pre-existing conditions (ie sick people). ACA forced them to cover everyone, which raised costs and, therefore, prices for everyone. It's true you're now subsidizing sick people, but you'll be happy to have the ACA if you're ever sick (or have a dick family member).
- MichaelApproved 7y ago
  It's not just subsidizing sick people with pre-existing conditions, it's that they couldn't throw you off once you got sick. They would take your money while you were healthy but if you got sick, they'd throw you off. That's not insurance. That's fraud.
  - 1PlayerOne 7y ago
    It is amazing that this simple logic escapes most people. Sad!
immanentizer 7y ago
That sucks, but not nearly as much as not being able to get coverage for a pre-existing condition, at any price.
Ididntdothis 7y ago
People are acting as if things were paradise before ACA. I agree that it wasn’t a good law but before it passed there were plenty of people who couldn’t get insurance due to pre existing conditions or they would get thrown off their plans once they got actually sick. Blaming all problems on ACA is rewriting history of the worst kind.

MichaelApproved 7y ago

Your $80 insurance was trash. You think you had coverage but the moment anything serious happened to you, you'd get thrown off. Cancer? Bye. Heart problems? See you later. They were a fraud and you were getting ripped off. ADA put an end to that fraud. Insurance companies could no longer arbitrarily throw you off. That's why premiums went up from $80. They had to actually provide coverage. Now you know two things.

pmorici 7y ago
I liked it just fine, I'm aware of the change the ACA brought into effect with regard to the preexisting conditions. I'd rather have affordable options than a single un-affordable choice. Whether the insurance company doesn't cover a pre-existing condition or you can't afford the premiums the out come is the same. I'd argue that no insurance at all is worse but reasonable people could differ on that.

larrik 7y ago

The prices started going up as soon as ACA was being voted on, "just in case". Edit: It seems my comment is being interpeted as for or against ACA, when the point was really that insurance companies will raise prices over every potential regulation change.

mywittyname 7y ago
The ACA was in response to 20 years of super-inflationary price increases and the inability of huge swaths of people to even afford healthcare.

LAguy 7y ago

Prior to ACA, your pricing reflected the fact that the insurance co. could refuse to cover people with pre-existing conditions (ie sick people). ACA forced them to cover everyone, which raised costs and, therefore, prices for everyone. It's true you're now subsidizing sick people, but you'll be happy to have the ACA if you're ever sick (or have a dick family member).

MichaelApproved 7y ago
It's not just subsidizing sick people with pre-existing conditions, it's that they couldn't throw you off once you got sick. They would take your money while you were healthy but if you got sick, they'd throw you off. That's not insurance. That's fraud.
- 1PlayerOne 7y ago
  It is amazing that this simple logic escapes most people. Sad!

immanentizer 7y ago

That sucks, but not nearly as much as not being able to get coverage for a pre-existing condition, at any price.

Ididntdothis 7y ago

People are acting as if things were paradise before ACA. I agree that it wasn’t a good law but before it passed there were plenty of people who couldn’t get insurance due to pre existing conditions or they would get thrown off their plans once they got actually sick. Blaming all problems on ACA is rewriting history of the worst kind.