How to Fix Obamacare
Well, OK, it cannot be fixed. It is a solution in search of a problem.
In summary, it is distorting health insurance by making it more expensive with higher deductibles and higher premiums (in most cases), reducing access to medical resources to the insured, and jacking up the Medicaid roles.
So, let us relegate this Rube Goldberg device to the garage (hoping that our better half does not object to the increase in size of the junk pile ), and rethink the whole shootin' match.
The ab initio reason for the existence of Obamacare was the scary increase in medical costs. I was never convinced of this datum. Up until the age of 40, I had exactly $0 in medical costs. After that point, I have regularly racked up ever increasing medical bills. I am reasonably sure that the increase in national healthcare costs is a result demographics and not a defect in health insurance policies.
High Risk Pools
Some have preexisting conditions that prevent them for getting health insurance. I am one of them. Nationwide, these number about one million. These pools exist in some states, and are often poorly funded. So, let us create a special national insurance policy for these people: they simply have to prove (save those rejection letters) that they have been denied health insurance multiple times due to a medically preexisting medical condition.
Catastrophic Health Insurance
This is available in some states but not others. The goal is not to fund your ordinary medical care (this is on your nickel), but to keep you out of medically induced bankruptcy should disaster strike you. Let there be a national catastrophic health insurance policy, regardless of what state regs say, that anyone can buy, kinda like national flood insurance for home owners. It will kick in only when your medical bills have 5 digits.
Individual Policy Mandates
Under the concept of Federalism, each state is free to determine what sort of health policies will be allowed to be sold. Some states allow catastrophic health insurance policies and others do not: California is not one of them. I remember a rather remarkable boast by a women's healthcare advocate proudly proclaim that, after a decade of lobbying, womens' reproductive costs would now be mandated as part of a standard health insurance policy, even for males who would never use same, and a female could not be charged more as a result. Entire states of individually purchased policies are now being canceled, because that state's IPM does not measure up the Obamacare's standard of nominal health insurance benefits
Obamacare The Next Generation
I fail to see any advantage in the “Patient Protection and Affordable Healthcare Act”.