ACA, a paradox



ACA is just asset protection. ACA works quite well for a narrow segment of the populace. Those with assets to protect and income to afford the first dollar expenses (or first thousands of dollars).
No pre-existing conditions, no cancellation, no lifetime caps. A gift for the upper class. For everyone else, for the middle and lower classes without assets to protect and cash flow not so much.

And Bill Clinton is right. Health care if defined politically as a right that should be available and affordable to all is not insurable.

ACA is not insurance



ACA is NOT insurance. ¬†ACA is more like a co-op, a communist-like shared cost pool. All people (all risks) are “forced” to jump in the pool evenn if they can’t swim and pay what they can and take out what they need.

Constant tweaking and extreme command and control must be applied for the plan to break even financially.

Since some issues cannot be controlled, an aging demographic for example, increasingly expensive R&D, rationing and behavioral controls (wear your seatbelts) MUST be applied from time-to-time.