Healthcare reform reform
We've heard a lot in the news about Republicans trying to either repeal or replace the Affordable Care Act. It seems all efforts have been thwarted either by their own party or the fact they can't agree on a good alternative. A lot of people are afraid they will lose their insurance and the CBO has claimed that millions of people will lose their insurance for all of the Republican plans submitted thus far.
The facts that no one seems to mention are that Republicans lack the 60 votes in order to pass anything except budgetary measures, the CBO has been wrong quite often (it fell way short of its ACA calculations and tries to predict human behavior, good luck with that one), and all of the bills have called for insurance carriers to keep covering those who have kept continual coverage. Some of the biggest concerns insurance carriers have with the ACA are the fact that they can't control costs of the people who get insurance on their own and purchase through the exchanges and individual markets. These members tend to use much more healthcare and only tend to purchase when they require more care. Insurance needs premiums from healthy as well as unhealthy people to be able to pay for healthcare costs. If they cannot control those costs then they lose money, cut services and have to come up with ways to make up the losses. Some of the problems have been insurance carriers raise rates, which price the healthy people out of buying insurance and keeping even more bad risk to hang around.
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Since 2012 I have been navigating healthcare. Making things simple is my favorite thing.