Reply #48: You can't fix junk insurance plans without gov't regulation.

[Jackpine Radical]

The excise tax is a blunt instrument. People of modest means will find plans with high copays and deductibles to be essentially unusable. Even if you're insured with one of those shit plans, a $5k deductible and 30% copay will still bankrupt you in a medical catastrophe. The only answer is for the gov't to require that plans provide reasonable coverage. Tax pressure won't get you there.