There's a reason why big corporations hire actuaries and administrators to help them choose which level of health care to offer to their employees: Because the relationship between private health insurance and health-care delivery is difficult and complex, and being able to properly calculate the costs/risks versus rewards of any plan is a full-time job requiring a level of education that most ordinary people lack. People can't make smart choices about health insurance unless they possess the knowledge to make smart decisions, and since most people don't, this is yet another reason why the Affordable Care Act is looking more and more like a looming disaster that isn't going to work to the benefit of anyone but the companies that wrote the legislation. Imagine that!
Of course, this could have been foreseen since the whole idea of an insurance mandate with health exchanges originated with a conservative think tank---which is to say, it was an inherently bad idea. Generally speaking, bad ideas, once enshrined into law, tend to yield bad outcomes, so perhaps in the future, our leaders would consider ignoring bad ideas and embracing better ones instead?
---Baron V
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