What I’ve pointed out on a couple of occasions is that since the ACA removed three of the most unpopular risk-mitigation tools used by the insurers (pre-existing conditions, ability to cancel insurance, and lifetime maximums) that nobody really has “health insurance”, per se, anymore.

What we have are pre-paid medical plans. Some of them are ineffficient (aka, traditional fee for service plans) and some of them are efficient (HSAs).

The most strident voices trying to drive this debate want to drive it to the least efficient schemes possible, it seems.

Data Driven Econophile. Muslim, USA born. Been “woke” 2x: 1st, when I realized the world isn’t fair; 2nd, when I realized the “woke” people are full of shit.

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