Well I appreciate you opinion but you leave a one-sided discussion and definitely not very informed on individual coverage options. First off, I am an health insurance broker so yes I could be jaded but I won't be in my re-educating you about individual health insurance. First of all, all the companies that QuoteIt sites offer have low deductible options. You don't have to get the high-deductible plan although I can give you several reasons why you should and couple it with supplemental coverage but that's another issue.
In addition, all the plans offered and companies offered all have to be compliant with the new coverage requirements of the new PPACA law which means they have to offer preventative care and the same things that you seem to act like they do not. Last but not least, these plans and companies will be very similar to what will ultimately be in the exchanges at both the state and federal levels. In the exchange you will possibly get subsidies depending on income, outside the exchange you will not or at least that's the way the law is written at this point.
This conservative, knows that government run healthcare which we ultimately will all have to go to eventually anyway, due to runaway costs or at least to some hybrid form of government/private run healthcare; the countries that have such government run coverage does have much more waiting, especially for critical care and high-end testing, and nothing like the quality we have today. I know, Medicare is government run, however, we cannot sustain the cost of Medicare and care will have to be rationed and already is happening. Meanwhile more and more doctors are not accepting Medicaid and Medicare due to low reimbursement.
I do favor a system that pools all citizens into one group to negotiate costs as CMS does for Medicare. I however, do not like the idea of a one-payer system because once we go down that aisle, there is no turning back. Unfortunately with the passing of PPACA we are already headed down the road as the industry is suffering incredible amounts of regulatory red tape and administrative costs that it cannot stay afloat because of medical loss ratio requirements. Unfortunately, that's what the authors of this bill had in mind when they wrote it and shoved it down the majority's throat that didn't want it.
Next time, give political spin and check your facts.
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