Obamacare Failures Are by Design

Look, this is not a mistake by Obama. This is how Obamacare was designed:

for many consumers, the sticker shock is coming not on the front end, when they purchase the plans, but on the back end when they get sick: sky-high deductibles that are leaving some newly insured feeling nearly as vulnerable as they were before they had coverage. “The deductible, $3,000 a year, makes it impossible to actually go to the doctor,” said David R. Reines, 60, of Jefferson Township, N.J., a former hardware salesman with chronic knee pain. “We have insurance, but can’t afford to use it.”

Obamacare was a way of bailing out insurance companies and for providing catastrophic insurance coverage, which is meant to protect hospitals. If someone requires many thousands of dollars of care in one go, the hospital doesn’t have to eat it.

Meanwhile the high deductible, plus the relatively low percentage of premiums which the plan should be designed to pay out, are intended to keep insurance companies in business, as they were becoming less and less profitable.

In-network vs. out-of-network rules and deductibles also make the insurance hard to use in many parts of the country, and, again, this was by design.

Obamacare was never designed to make sure everyone had health care, it was designed to help insurance companies and hospitals—to get money to people who matter.

I strongly suspect it was also intended to preempt the logical plan of simply extending Medicare to everyone. Obama went out of his way to make sure there would be no public option, as well, trading it away right at the beginning.

Obamacare is a corporate subsidy. Some ordinary people get helped, but that is a side-effect.

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