How insurance plans are offered will be affected. Quality of insurance plans will be affected. Costs will continue to be affected although it's not like insurance costs are all that great today. Insurance companies are already raising rates and talking about more rates and how drastic it's going to be. That's just fodder to prepare people to accept getting gouged when in many cases it's not warranted.

Healthcare savings plans, pay as you go plans, plans for those who aren't using insurance much at this point in their lifetime to build up credits for the backside of life, etc. Actuaries are going to have to be creative with a REAL balance of profits and taking care of people being an actual component of any offerings.

Think about the many folks who are paying insurance premiums faithfully pay period after pay period and aren't even using their insurance except for the yearly primary care checkup. They are paying full rate now just as if they were using insurance everyday. Shouldn't they have a way to get credit for being well and have a buydown/credit account for later in life if and when they do need it?

It's going to take that kind of creativity to get things turnaround and going in a direction that will still allow insurance companies to have profits but also allow people to be insured. Is it scary? Uncertain? Yes, yes it is but AMERICA has a long history of facing the scary, the uncertain, the unknown and pulling together with the input of the brave and intelligent to overcome those obstacles.

Americans can do it again, IF we WANT to.

VH
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