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In general, the problem is that most employees are accustomed to how their employer-based insurance works and want it to keep working exactly that way. Because they know how to navigate that particul …

The penalty is too low given the chances of a major health event to force people to sign up. Or to put this another way, it is cheaper to go without insurance, pay the penalty, and then sign up for i …

I would assume that funds were allocated for some amount of time into the future. This is untrue. The funds were never allocated. The government has just been spending them anyway. That's why …

I doubt that anyone has tried to calculate this impact for this reason. That said though, we do have statistics about the mortality rate for people aged 15-64 since the Patient Protection & Affordabl …

From the CCIIO Technical Guidance: Questions and Answers Regarding the Medical Loss Ratio Interim Final Rule (PDF): The experience of so-called mini-med policies (defined in the MLR IFR as po …

In order to implement Romneycare in Massachusetts, Mitt Romney had to get waivers from the federal government. In particular, Romneycare made changes to how Medicaid money was spent. Since both Romn …

In absence of any competition why wouldn't insurers be clamoring to fill the void, potentially making them the one and only insurer? Only in states where premiums can increase without limit. Som …

Am I correct (based on my limited experience) that most, if not all employer- sponsored health insurers offer only one insurer ? That hasn't been my experience. I've been able to pick among diff …

You are overthinking this. The individual mandate is unpopular because it penalizes people who want to spend their money on something other than health insurance. Worse, it is a regressive tax, as …

The primary problem with insurance (not just health) as a market is that people have very little idea of what the risks are. Since insurance is about protecting yourself against risks, not understand …

Tax cuts I could understand a candidate promising tax cuts and then after being elected scrapping Obamacare to pay for them. Obamacare repeal includes tax cuts: .9% Medicare tax surcharge on h …

They already passed Obamacare repeal by reconciliation. Barack Obama vetoed it, so it didn't become law. But with a President Donald Trump, presumably there would be no veto. So they just have to r …

Since they passed Obamacare on a purely partisan basis, they haven't been able to pass modifications of it since Scott Brown entered the Senate. So one answer is that they simply haven't been able to …