market prior to the ACA (and still do). Very affordable if you don't get cancer or have a serious accident.
And of course if you have pre-existing conditions, these affordable plans are not for you (because they won't let you buy one). Thus relatively healthy people end up in these plans, while less healthy people end up in the ACA, driving up its costs and premiums.
“The only fair and effective way to bring down health care costs is to allow markets to create more choices for consumers and small businesses,” his statement continued.
Here's an example of the kind of choices we'll get:
Healthcare sharing ministries: 5 things to know
These alternatives to regular health insurance have grown to nearly 1 million people this decade.
https://www.healthcaredive.com/news/healthcare-sharing-ministries-5-things-to-know/521229/
HCSMs don’t promise to pay claims. There are also limits on what’s covered, including pre-existing condition exclusions, she said.
... The plans don’t have the consumer protections found in the ACA, including out-of-pocket limits, pre-existing condition provisions and requiring coverage of the 10 essential health benefits.
... “HCSM coverage leaves members at risk of substantial out-of-pocket costs for conditions either not covered or covered only up to a cap. Moreover, because HCSMs do not promise that members’ care costs will be paid and are not subject to rules designed to ensure sufficient funds to cover claims, members face a greater risk that even eligible spending will not be reimbursed,” according to the report.
More...
There's A Christian Alternative To Obamacare. But There's A Catch., Huffington Post, 3/9/18
https://www.yahoo.com/news/apos-christian-alternative-obamacare-apos-221607081.html
The Lammers understood they were not buying a traditional insurance product. The company literature made clear the couple was ultimately responsible for their own bills, and that Medi-Share had limits and offered no guarantees of payment. Still, after listening to their friends in Medi-Share talk about their experiences and after speaking with the company’s representatives the Lammers came to believe
Medi-Share would take care of their expenses just as well as the company plan they had from Danielle’s old employer.
But Medi-Share doesn’t operate in the way that an employer plan would. After reviewing her records, it determined the tumor was actually a pre-existing condition because, Medi-Share explained in a letter, Danielle had mentioned the bump to her family doctor once before, roughly three years earlier. That made it ineligible for treatment under the ministry’s guidelines.
More...
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