We All Want Healthcare To Cost Much Less — But We Are Asking The Wrong Question
Joe Flower

Hi Joe:

Very nice article. But what do we do now to improve our financing systems on the way to less expensive healthcare. The ACA helped many and hurt many. It helped low income people by expanding Medicaid access and subsidizing others when they purchased insurance in the Individual Health Insurance Markets (IMs). However, it also allowed large numbers of high cost people into the IMs and only partially paid for it. This left IM customers on the hook for what the government did not pay for, thus higher premiums. IM customers now pay over two times what people pay for employer-based insurance. I explore all of this in my Medium article:

I think we need to come up with a more equitable financing scheme that does not ask the 7% of the population who buy health insurance in the IM to pay for the national problem of the uninsured and uninsurable, especially the older and middle income customers who do not qualify for subsidies.

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