Three points, first, approx. 30 million Americans are currently without health insurance coverage. Those 30 million people will soon become customers for the private insurance carriers. That SHOULD spread the risk to insurers and COULD serve to lower the costs of insurance, not raise it, since the law mandates that the companies must spend 80% of the premium on the subscribers, to participate in the exchanges.<quoted text>
People like all of these things. However, all of these things are not possible. You can't increase healthcare coverage without causing healthcare insurance premiums to go up. It's simply not possible. ACA premiums will be more than premiums we have today for the same type of coverages. The data gathered thus far is already proving that. When you speak of lower, affordable rates, what you refer to are subsidized rates. The insurance premiums are higher, however, the government is paying for part of the premium for some people. The subsidies come from taxes mainly levied on businesses. Sure, people receiving subsidized insurance premiums are happy, however, businesses and people working at businesses are not.
People like all the things you mentioned. However, people also like having a job. More people will now have healthcare insurance, a very good thing. However, more people will be without a job, or at best, have reduced hours, a bad thing. You don't get something for nothing, somebody has to pay. In this case, the increased coverage the ACA generates will be offset to some degree by higher unemployment. However, everyone must have healthcare. Therefore, those who are out of work will simply get their healthcare 100% subsidized which will require even more taxes. More taxes means even more unemployment. Thus a vicious cycle is getting ready to start that has the potential to spin out of control. This is what people don't like.
Second, health insurance rates were increasing at rates far above inflation for a decade before the ACA passed so increased premiums are nothing new.
Finally, a sick individual ultimately ends up with a 100% subsidy from the taxpayers now. He or she has to be bankrupt first, then they qualify for Medicaid coverage. HOPEFULLY, this law will allow those folks to get some care at a time when their disease is at an early stage and less expensive to treat.
I have no idea how this will eventually shake out, and you know from our conversations that I would prefer Medicare for all instead of the ACA, but this IS going forward and it is going to cover a lot of our fellow citizens, and that in my opinion is a good thing for America.