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0 pointsgigatree1y ago0 comments

Stupid question but does that mean the “discount” comes from tax dollars? i.e. medical costs are spread out more but we’re also collectively spending more of our income on it?

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lotsofpulp1y ago

The discount is from a knowledgeable entity who buys lots of healthcare knowing what they are buying (theoretically preventing fraud) and what competing healthcare providers are selling at, and also negotiating with the collecting purchasing decision of thousands or millions of insureds.

Edit: since I can’t respond to comment below due to hitting too fast posting limit:

Post ACA and pre ACA plans are completely different products due to out of pocket maximum, age rating factor caps, and inability to screen for pre existing conditions.

Hence comparing pre and post ACA health insurance prices is not meaningful.

gigatreeOP1y ago

Was thinking of the tax credit, but yeah that makes sense (assuming that the post-ACA unsubsidized price of a plan is lower than its pre-ACA price).

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