Once again, creating a system that doesn’t conform to the laws of reality is blowing up in their faces. The emphasis on cost savings has resulted in the insurers creating a subset of their normal product for exchange use. There’s a multitude of ways to cut back, eliminate your high utilization doctors from the plan, increase deductables, eliminate payments for out of plan services, etc. Each company has done something different, but they’re all doing it, and it all adds up to cost driven rationing in one form or another.
They tried to create a system that left out the cost variable, without understanding that everything else is related to it.
This is overpriced shit care with high deductibles.