2013
I just went to healthcare.gov to check out some premiums. I clicked on “See plans now”
And this is what I got. I didn’t type nuttin, I clicked on their button which apparently was not adjusted to find where the heck they put “See plans now.” This is just sloppy, but I guess when you are working 24/7 with the President breathing down your neck we have to give some slack.
QUINNSCOMMENTARY 
Hello, Mr. Quinn – I just tried the same thing and sailed right through it? – I stopped counting after viewing 60 different plans – I think we’re the same age – have some patience, my man
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Yup, it’s back working. By the way, do you think 60 different plans is more helpful than confusing for people. My experience says people don’t like too much choice for fear of making a poor choice and as a result default to what they always had or perception of least expensive.
Dick
Richard D Quinn Editor Quinnscommentary.com
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No, I don’t think 60+ different plans is helpful, but which potential providers are to be excluded and who is going to make the decision to exclude them?
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Aren’t the 60 plans because of the various levels of coverage rather than 60 different insurance companies?
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Largely, yes. There are not 60 different companies. What would be the criteria for limiting the number of plans that any one company can offer? I agree that there are too many choices, but I don’t have a solution.
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When I was managing corporate plans the first 25 years there was one plan and everyone was happy. Then we added options and more options. The most the is needed is one HMO or EPO, one POS and a high deductible plan and only one level in each, no bronze, silver, etc.
What I fear is happening now is everyone is focused on premium and not on their potential risk. I read something today from the administration touting a women with a medical condition who found “affordable” health insurance for $60 a month. Isn’t that ridicules? Imaging what her deductible and out of pocket costs are? That’s not affordable coverage.
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Perhaps each company should be allowed to offer 5 plans ranging from low premium/high personal expense risk to high premium/low personal expense risk? Publish simple charts so people can understand what they are buying and what they are risking. I don’t think insurance companies want to make it easy to understand, for obvious reasons. Everyone’s circumstances are different. Subscribers could/would naturally move through the plans as they age. Young and stalwart virile: lowest premium/highest personal risk (can’t afford high premiums anyway) – moving toward highest premium/lowest personal risk (IRAs help pay the high premiums) – Changing coverages as they go through life.
I DO believe that the ACA will very soon be praised as the best thing ever to benefit the American people after only Medicare and Social Security. I cannot comprehend why the far right wing Tea Party Republicans are dedicating their political careers to depriving citizens of the right to buy healthcare insurance?? Why on earth do they oppose this law? Why are they trying to prevent me from purchasing health insurance for my unemployed son?
Why are these wackos so strident in their extortions to cause the greatest country on earth to remain the only industrialized society in the world without universal healthcare and why are these wackos so blindly willing to shutdown our government and to destroy the world economy to achieve their deranged ideological obsessions?
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