Contrary to industry concerns, HSA-qualified plans are widely available, attractively priced, but may be hard to identify on ACA exchanges.
The economy performs better under Democrats, but not because of anything Democrats actually do.
A defense of narrow networks. (A weak defense in my opinion.)
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Insurers have an incentive to advertise their Bronze plans (for example) may be HSA qualified, although some don’t do so. That’s something that public health advocates and conservative pundits need to communicate better. For example, it is cheaper to pay a lower premium for a bronze plan and put extra cash in an HSA than pay higher premiums for a Gold plan. For a healthy person, the funds could accumulate over years.
A defense of narrow networks.
Time will tell whether this is a good strategy to negotiate better pricing; or a strategy to ration care and discourage the sick from signing up.
I thought I remembered reading that the HSA-style plans were limited to those under a certain age. My recollection may very well be wrong, though.
Ahh, I was semi-right. From page 6 of the article (and yes, I should have read it first!):
“Unfortunately, HSA Plans are barred from the Catastrophic category, aimed at so-called Young Invincibles under the age of 30, because they must cover up to three doctor’s office visits free of charge, which is against HAS qualifications by law. Bronze plans are the lowest level that qualifies for ACA subsidies, and HSAs are well represented in that category, with nearly half (42%) of the offerings available. HSAs also make up 15% of Silver offerings and a surprising 9% of Gold offerings, but none of the Platinum plans, which have limits that are too high for HAS plans.”
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