Wrong.You sure about this RKM Brown ? I have seen my premiums go up and my quality of service go down also, as one example my deductible has never been this high before, and then I had once under United Health Care a change to a 60/40 on the pay ratio situation, where as now I am back to a 70/30 pay ratio situation under BCBS. My wife has a policy that is an 80/20 pay ratio, and she has a 2,000 dollar deductible. Not sure why we don't have a better pay ratio than what we do, as we do much more dangerous work than she does, but it depends on the company one is with, and what types of policies they are offered I guess.
Yes, I'm sure. We may not like the fact that our insurance pays the for the benefits of others but you can't blame the insurance or even the health care providers. The fault is the government mandates, government provided monopolies, and government programs that are saddling the insurance payer with extra benefits they don't want. That plus "inflation." Insurance companies just skim off the top the real winner here is the people who directly benefit from these government created issues. That would be the illegal immigrants, the drug companies, the suit happy lawyers, etc.. These government management missteps caused the rates to go up, then they come in to save the day with even more management missteps that will double and triple the costs yet again.
The object of ACA is to, as much as possible, get all of us to pay for our own health care. As a start towards enabling us to manage it's costs down some day.
Wealthy people, and people whose employer foots their medical bills, aren't the problem. Obamacare would choose to ignore them. Private insurance won't.
So there are some in those two categories who have incomplete coverage. Who are at risk of expensive circumstances causing them to not being able to pay for their own medical expenses.
Obamacare plugs those holes.
The other end of the spectrum are people not being paid enough for full time work to afford to be healthy. If they get sick they can just be fired and replaced with a good "part". Business backs them into a corner where survival takes a great deal of work and time and cunning. That fact of survival puts their cost of surviving, that their employer ignores, on us, one way or another.
ACA puts those costs on, rather than under, the table.
The Republican fuss about all this has little to do with all if this. It has to do with maintaining their business, getting elected, competitive, by dragging their competition down to their level through advertising. Propaganda. Mind control. Brain washing. Dirty politics. Whatever you want to call it.
So it's necessary to understand all of this to separate politics from governance, health care insurance from delivery, business making more money regardless of the cost to others from government, health care cost escalation leading to improved health outcomes from merely more profit for a particular business, etc.
Most people can't. So politics and business takes advantage of that confusion.
The object of ACA is to, as much as possible, grow government while locking everyone into a socialist system of health care where over time only the top half pays and the bottom half gets everything they want for free, this to ensure the 51% have to keep voting democrat, so that the democrats can enact, over time, a democrat run communist system of government where no one has to worry about paying any of their bills as long as they vote democrat. This will work right up to the point in time when the 49% say screw you guys, you won't row neither will we. Pass the booze i'm sitting on my couch.