by William Teach | September 25, 2013 8:50 am
The Washington Post’s Sandhya Somashekhar and Sarah Kliff spend a long, long time telling us just how super great awesome the new Obamacare premiums will be[1], based on a DHS report released Wednesday (which is interesting, since the article was posted at 12:01 am on Wednesday)
The report, released Wednesday by the Department of Health and Human Services, showed significant variation in the insurance premiums that Americans shopping on the individual market could pay under the president’s health-care overhaul. Across the 48 states for which data were available, the unsubsidized monthly premiums could be as low as $70 for an individual and as high as $1,200 for a moderate plan for a family of four.
Um, OK. Then we have this buried at the end of the article
But they warn that premiums don’t tell the whole story.
The low rates are possible in part because insurance companies created special plans that include fewer in-network doctors and hospitals than many current plans.
This may not be a problem for healthy people who currently lack insurance. But those with illnesses may discover that their specialists are not covered by an exchange insurance plan. Low-income people accustomed to a certain community clinic may find that going there is no longer an option. And everyone may encounter long waits to see a doctor.
In addition, many of the lowest-cost plans may carry high deductibles, despite a cap imposed by the law that limits out-of-pocket costs to $6,350 per person per year.
Rationing. Limited choice of doctors. And, more importantly, a limited choice of in-network specialists, the people who deal with healing people when some Bad happens. Which is the major point of having health insurance, not having to pay out thousands and thousands when something Bad happens.
Crossed at Pirate’s Cove[2]. Follow me on Twitter @WilliamTeach[3].
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