(03-25-2020 02:56 PM)Owl 69/70/75 Wrote:  I would allow the option of substituting a high deductible with a HSA for the basic plan. All that could be worked out actuarially.

This is what health insurance should have always been.... like your car insurance: It doesn't cover oil changes, tires, brake pads, windshield wipers, or any other basic good. But it does present you with a tiny bill when something major happens. How tiny depends upon how much you are willing to pay per month.

The problem with high deductible + HSA is it now flies in the face of the mountain of lies we have erected in the healthcare industry. It will act like a beacon sucking away all the healthy people who will leave the government run pools in increasingly sicker and sicker condition leading to a death spiral in the insurance market. This has been going on since the beginning of Obamacare and that's why in like 1/3 to 1/4 of the country there's only one insurer to choose from on the Obamacare exchange. This is why with the sole exception of temporary insurance high deductible plans have been outlawed since Obamacare's passage.

I'm not a great fan of this Republican proposal from what I've read. But I far more hate those who champion Obamacare while standing atop the ashes of what use to be the health insurance industry.