Reply #9: Multi-tiered plans restricting access to care

[Oregone]

(d) Levels of Coverage-

(1) LEVELS OF COVERAGE DEFINED- The levels of coverage described in this subsection are as follows:

(A) BRONZE LEVEL- A plan in the bronze level shall provide a level of coverage that is designed to provide benefits that are actuarially equivalent to 60 percent of the full actuarial value of the benefits provided under the plan.

(B) SILVER LEVEL- A plan in the silver level shall provide a level of coverage that is designed to provide benefits that are actuarially equivalent to 70 percent of the full actuarial value of the benefits provided under the plan.

(C) GOLD LEVEL- A plan in the gold level shall provide a level of coverage that is designed to provide benefits that are actuarially equivalent to 80 percent of the full actuarial value of the benefits provided under the plan.

(D) PLATINUM LEVEL- A plan in the platinum level shall provide a level of coverage that is designed to provide benefits that are actuarially equivalent to 90 percent of the full actuarial value of the benefits provided under the plan.

The poor who will be subsidized so that most will only have pitiful 60% actuarial valued plans, which to a poor person, is as good as not having insurance. Access to actual care, even in the government exchange, will correlate directly to the wealth of the policy holder.