[kabar]

Obamacare forced everyone to buy essentially one plan. Single men had to purchase plans with maternity benefits. Tailoring each plan to the needs of the individual should increase the number of insured and lower costs.

Even with Obamacare, we still have over 30 million uninsured. I wonder why no one is bringing this up.

[rodguy911]

Isn’t Ann Coulter correct? Just get rid of it. Let 90% buy their own insurance from the free market and then decide to do about the other 10%?

[ROCKLOBSTER]

Obamacare forced everyone to buy essentially one plan.

Actually that came way before Obamacare, and regarding premium increase...it's insignificant.

Single men had to purchase plans with maternity benefits. Tailoring each plan to the needs of the individual should increase the number of insured and lower costs.

It keeps costs down in two ways:

All the "mandated-coverage premiums" are lessened because more people are paying into all of them them.

Using the "Keep it simple stupid" principle, one simple policy form (and including the final review) is way cheaper to process, than millions of types of policies. (cafeteria care).

I suppose both could be offered, but the cross-subsidized model is way less complicated in underwriting, and hence faster to issue. Counterbalanced by a lower policy fee....it a wash.

The subsequent and insignificant premium increase of 1 to 3 percent is peanuts, compared to the hundreds of percent of increase caused by throwing known AIDS and terminal cancer patients into the "young/healthy" standard risk pool.