Andrew Sprung highlights a segment of the population that should be “fuming” about the new health care law: the millions who don’t have access to employer-sponsored health insurance but also don’t qualify for subsidies.
“About a quarter of them received cancellation notices last fall, and others face substantial premium hikes. Some will be forced to pay more than in the past, in some cases in part because they are covered for services they don’t want … But many are finding their options much better and their status less precarious than in the pre-ACA market.”
Sprung discovers that the post ACA insurance landscape looks good for this group, termed the “satisfied unsubsidized.”
“Most of the people I interviewed saw no reason to buy their plans through Healthcare.gov or the state exchanges. Doing so would only add a layer of bureaucracy … All those who bought off-exchange found it much easier than in the past to buy through a broker or directly from an insurer in the post-ACA market … And all found better coverage for the money than they could get before the ACA went into full effect.”