Couldn't agree more. Dr. Keith Smith describes your suggestion actually as the "Obamacare Paradox". He thinks that the ACA unintentionally created a situation where premiums and deductibles sky-rocket. It's unlikely that they designed it that way, probably hoping the subsidies would sugercoat the insurance prices or in the worst event increase pressure towards a single payer system. However, as it stands, it seems that quite a lot of people esp. in the middle class won't be able to afford the kind of insurance offered on the insurance exchange. They will HAVE to find local doctors that offer concierge memberships (very affordable) and cover themselves with a catastrophic insurance or none - because, in effect, the monthly premiums are too high, so that they take away the money people actually NEED to pay for medical situations for their kids/families.
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Couldn't agree more. Dr. Keith Smith describes your suggestion actually as the "Obamacare Paradox". He thinks that the ACA unintentionally created a situation where premiums and deductibles sky-rocket. It's unlikely that they designed it that way, probably hoping the subsidies would sugercoat the insurance prices or in the worst event increase pressure towards a single payer system. However, as it stands, it seems that quite a lot of people esp. in the middle class won't be able to afford the kind of insurance offered on the insurance exchange. They will HAVE to find local doctors that offer concierge memberships (very affordable) and cover themselves with a catastrophic insurance or none - because, in effect, the monthly premiums are too high, so that they take away the money people actually NEED to pay for medical situations for their kids/families.