3 ms·

I would imagine most/all young (under 35 - I'm 30, personally, and had same experience as GP), self-employed people making a decent amount of money (such that t

I would imagine most/all young (under 35 - I'm 30, personally, and had same experience as GP), self-employed people making a decent amount of money (such that they don't get subsidies) have had this experience. The plans never match up fully, but I had a high deductible "catastrophic" plan pre-ACA and for the equivalent coverage I a.) had to apply for an exemption to even get the "catastrophic" plan through ACA and b.) it still cost significantly more for a higher deductible. Now as you note I do get certain benefits with this plan I didn't get with my other one- namely a couple doctors visits a year when my other one was only one every 2- but I had a catastrophic plan for a reason and my premium more than doubled under the ACA. Beneficial to me (and likely the GP) is being able to pay only for coverage we actually want- not additional "benefits" that we don't plan on using and would rather pay out of pocket for.

herge 12y ago
What about yearly or by incident payout limits? Like max 20000$ per year in treatment or the like. That's what most of the plans canceled by the ACA were limited by.
- rdl 12y ago
  My plan had no lifetime limits, generally awesome coverage, HDHP, and was ended. I don't believe it's because it was non-compliant, but because it was no longer economic to underwrite with 1) guaranteed issue 2) substantial minimum/preventive benefits paid per year (so, essentially a guarantee of $300-400 in reimbursements on a $1200 premium per year, with some odds of $100k or $1mm or whatever payouts in rare cases too.) My insurer got out of the individual market.
infinite8s 12y ago
Are you sure you wouldn't have been dropped when a catastrophe happened? Before the ACA that wasn't illegal.