ACA was passed by Dems and being helped to stay in place by RINOS helping Dems... why? What a wonderful way to hit the RESET button for all insurers so they can dump all of those losers who were codified into their existing plans! Once ACA fails there is no way to rebuild the past system..that is gone. Only way from here for Dems point of view single payer and for RINOS... new marketplace for the insurers with all who are high risk on the public dole. Add in the immigration plans with millions more added to this overburdened cluckfest... what could possibly go wrong?
I’m not sure the former, pre-HMO health insurance business could not be rebuilt if zer0care was somehow nullified. Just striking all the mandates from the zer0care policies could be done with one of those *changes to your policy* letters and the premiums/deductibles and co-pays could be reduced back to former levels. They could also include one of those fine-print sheets that are about the size of a bank check and state that NONE of your information will ever be shared with anyone or any agency without your express written request and approval.
In fact, this could be a master stroke of marketing. Include a rebate as a sweetener and advertise it in huge red letters on the outside of the envelope.
As for the vaunted poor: go ahead and put them all on Medicaid. Low income not eligible for full Medicaid can already buy in, at least in my state and the premium, et al is around $350/mo/per individual & $5500 deductible, then 80/20. No copay for office visits or ER included and some prescription coverage or price caps for generics.
Single Payer, which is being touted as “MediCARE for all” will decimate Medicare for those of us who have been paying in for 50 years and still pay a premium every month for Part B.
For years, people hit with high medical expenses have had a social worker come to their hospital bedside to work out a payment plan. My husband had a trauma back 3 1/2 years ago and when I called to work out a payment plan with the hospital, they responded that everyone did that, it was assumed and no written contract was needed. We orally agreed to a payment amount, got an invoice every month, paid the invoice until the total was paid and that was that.