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Originally Posted by tophcfa
Not if you have to by insurance through Obamacare and don’t qualify for federal tax credit subsidies. Before Obamacare I was paying about $350 a month for excellent private insurance with a low deductible and max out of pocket. After Obamacare the monthly premiums skyrocketed along with the deductible and max out of pocket. Somebody has to pay for all the people getting free or highly subsidized insurance.
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That's not how it works. No one has to buy through the marketplace. Anyone can walk into a Florida Blue office, or call Cigna or United Health, and sign up for whatever insurance package they offer to the public. Individual plans are, and have always been incredibly expensive no matter where you are.
But now, if you DO go through the marketplace, you are guaranteed certain minimum of care: all vaccines are covered. All yearly checkups and yearly bloodwork is covered. Routine mammograms, pap smears, prostate exams, all covered. You can go bare-bones, and the law requires these plans, no matter how expensive or cheap, to cover these things 100% with no co-pay.
Private insurance is not obligated to cover those things, free or otherwise. If you don't qualify for ACA subsidies, then don't buy from the marketplace. The marketplace exists for the purpose of providing health care to people who qualify for subsidies and guarantee a minimum of health care to everyone who signs up for it.