Covered California (Obamacare) site

[Hoyt]

34. Looks to me that the adjusted premiums are reasonable for folks with lower income. Considering

In fact, they look pretty reasonable from current rates for upper income folks compared to today's rates.

Considering insurers can't deny coverage for pre-existing conditions, many of us would have been much better off if this plan had been enacted years ago.

Health insurance is never going to be cheap unless we make some major changes in this country, including our own expectations. Even if we were all under the current Medicare system, I doubt the premiums would be less than about 10% of private insurers' rates when they are up against stiff competition (as under the exchages), and a Medical Loss Ratio cap.

While I support single payer too, truthfully I'm not sure premiums would be a bit cheaper unless Medicare were dramatically changed from the current system where you can go to any doctor you choose, as often as you choose, and they can order just about any test they want, etc. I think the Accountable Care Organization provisions in the ACA might make a difference, if people are willing to give up some freedom of choice. But, how many are willing to do that without griping?