Re:Share of U.S. workers holding multiple jobs is rising
by ghaff on Thursday February 18, 2021 @07:25PM
(#26187816)
>so many healthy lives are locked up in the government/small/large business group plans
Well, that and the fact that many young individuals who don't have health issues, aren't making much money, and aren't covered by employer plans are often opting out of paying $7K/yr or whatever for health care.
Re:Share of U.S. workers holding multiple jobs is rising
by lotsofpulp on Thursday February 18, 2021 @07:36PM
(#26187921)
Employers require employees to pay for health insurance and subject them to deductibles and copays just like healthcare.gov. The government even pays for a portion of most of the health insurance premium under certain income amounts, so it’s not any different than people with health insurance via employers.
Also, bronze level health insurance is closer to $300 per month for young people, or $3,600 per year.
https://www.nj.gov/dobi/division_insurance/ihcseh/ihcrates20...
Of course, the deductible is massive but it’s the same with any employer sponsored bronze plan, just like a healthcare.gov bronze plan.
Re:Share of U.S. workers holding multiple jobs is rising
by ghaff on Thursday February 18, 2021 @07:54PM
(#26188077)
I don’t disagree. But the basic point is that a lot of younger people in poorly paying jobs still consider, whether one agrees or not, health insurance as being more than they’re willing to pay for.
The only problems I know of in the individual market are due to the fact that so many healthy lives are locked up in the government/small/large business group plans. If everyone, and I mean everyone was dumped onto the market, then there would be sufficient healthy lives to balance the whole situation. Basically, it would be the same as taxpayer funded healthcare, except you get to choose your insurance company.
>Oh, and the Individual insurance market predates the ACA and healthcare.gov - it was much harder to navigate before the ACA due to the pre-condition exclusions but there were a variety of plans on offer to individuals.
The individual market pre-ACA and the one that exists now are completely different. It's actually possible to compare different insurances in the one that exists post ACA due to standardization and certain stipulations for being ACA compliant.