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Many have ACA insurance but can not afford to use it

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Bronze ACA isn't for trips to the doctor. Its for catastrophic coverage. There is still a major gap for many people.
 
OverVolt said:
The perpetually sick are still screwed. Diabetes etc.

The healthy are screwed a little, out of cough & cold visits, paying premiums and still having huge deductibles.

The very sick are getting big help, liver transplants, cancer, whatever. It comes at the cost of run of the mill healthcare, which has been decimated IMO by the high deductibles. You basically don't use it, or hit the max out of pocket. Anything in-between is hugely cost prohibitive. It hasn't affected healthcare as a whole yet because the individual market is ~11 million or so apparently compared to I'm sure a good 100 million on employer plans. But it probably will after 2018 and the employer mandates kick in.
Click to expand...

That's also misleading. As I understand it, there are copays along the way to meeting the max deductible, just like employer sponsored plans. You never pay the full price for anything that's covered.

My family pays $30 per visit at Kaiser w/ no charge for blood work. Cheap prescription prices for most stuff, too. It's near identical to the employer sponsored coverage we had if more expensive because we only qualify for a $14/mo subsidy.
 
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