1. What about illegals?
2. What happens when these expected savings don't materialize? Who will pay for this?
3. How will costs be controlled when there is no longer competition?
I have one more question to add to the list. Will this mean the un insurable will finally be able to get insurance coverage? This system may be as bad as predicted here. But for those without insurance and that can not get it due to preexisting condition, bad is better than nothing.
I hope so. I'm one of them. TeeHee.
With all due respect, I sell health insurance in California and it is rare that I cannot find health coverage for my clients. The "uninnsurable" have a number of means to find insurance and I have had a great deal of success in getting coverage.
You forget that California has numerous ways to insure individuals.
1) If you are indigent, Med-Cal
2) Federally, Medicaid
3) (for the working poor) Healthy Families
4) Guaranteed issuance of group coverage down to 2 employees
5) COBRA (for groups of 20 or more employees
6) Cal-COBRA (extending COBRA to groups of 2)
7) Guaranteed conversion of COBRA policies to individual plans under the HIPAA
8) Union Plans that guarantee acceptance for working union members of SAG, AFTRA, AFL-CIO and others (as individuals)
9) Underwriting guidelines may well insure various "uninsured" at higher rates depending on the condition.