[jersey117]

If the republican bill doesn’t significantly lower premiums and deductibles by open enrollment in the Fall, it’s useless. From what I’ve read, males between the ages of 60 and 64 will be hit the hardest. That’s a big part of Trump’s base right there. They need something for early retirees who don’t abuse the healthcare system. The 62 to 64 year olds are all but forgotten in anyone’s bill.

[Alberta's Child]

The only way to lower premiums and deductibles is to reduce the terms of coverage. In other words, insurance carriers must have the ability to do at least one (preferably both) of the following:

1. Cap or reduce coverage for pre-existing conditions.

2. Impose annual and/or lifetime limits on claims.

I'm surprised #2 hasn't gotten more traction in Congress. This seems like a no-brainer, since the lack of any limits on claims defeats the whole purpose of insurance coverage. If the insurance company has no limit on its financial exposure, is it any surprise that their insurance coverage is going to be prohibitively expensive -- to the point where they don't even want to sell the coverage at all?