[quote]Individual policyholders SHOULD have the freedom of choosing between an HMO, PPO or a simple catastrophic plan. They’re paying the ENTIRE premium! It’s a free country, NSR. If some policyholders want the freedom to choose a provider in another state who belongs to their plan or join a clinical trial in another state or country and/or they are willing to pay the out-of-network difference, that’s their perogative.[/quote]
You can still buy whatever policy you want through the private markets.
If you go through the health exchange, they’re standardized.
Will the insurance industry adapt? Sure, and yes, companies will choose not to offer plans that have just a handful of clients.
[quote]I lost an immediate family member from Stage 4 melanoma. It’s a swift and sure death. I myself have had a non-malignant skin cancer removed. This is another one of those diseases that is entirely preventable by taking personal responsibility for one’s skin in the sun and paying attention to changes in one’s skin.[/quote]
Sorry to hear that. As for melanoma being preventable, not really. Unless you consider clueless behavior before age 10 and before the sun was consider really harmful reckless. There’s plenty of studies basically shown your risk factor can be porked by one sunburn.
Prevent death sure, that’s diligence, aggressive treatment. Prevent occurrence, nope.
As for a simpler just exclude pre-existing conditions, yea they could have, it’s just a variation on what’s been done. But without a bunch of new enrolls, subsidized, your premiums would be even higher.
