Quote:
Originally Posted by skyguy79
[*]...continued to conceal negative elements to those signing up until after they signed up. i.e my son was fit to be tied to find out that the deductible on the policy he got from CA's ACA setup (Covered CA) was concealed from him beforehand. It was $4000, an outrageous amount for anybody let alone people that were supposed to allegedly be helped because they couldn't afford to get insurance in the first place. I also have reason to believe that there are even higher deductibles, but didn't see actual figures to say how much higher.[/LIST]
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Skyguy, you make a very good point here. This is one of the biggest problems I see with this system. Many of the enrollees (like the entrepreneurs that I mentioned in an earlier post) are younger men and women. They signed onto ACA thinking that they will get a better deal and instead end up with these astronomical deductibles. Actually, most that I have spoken to said they are more like $6000 and up. Therefore, because they are relatively healthy, they pay premiums every month, but derive no benefit from it because more than likely they will never utilize services beyond their deductible. They would have been better off to keep their former plan, if only it was allowed. NOW, for those with pre-existing conditions like Chi-Town mentioned in a previous post, ACA was certainly a positive and I am happy for those people who have benefited from that. But that could have been achieved without hurting so many others in the process.