Incorrect. The universe for catastrophic healthcare is much more static than all generalized healthcare. People aren't going out and breaking bones just to get free lollipops in the Er.


Also risks should be customized. In a guy. Why am I paying for maternity care. Why are non drug users paying for addiction counseling? I have a generally clean family history do I really need a policy with no lifetime caps?


These increased factors in the general risk pool caused the cost of insuring people to go up. To offset the costs insurers dumped risk in the form of inordinate deductibles. Costs have gone up when you factor in deductible shock. That is bleeding over into premiums skyrocketing under the new system as young invincible are just paying the fine instead of buying health insurance they can't afford to use anyway.


That's why 20 some odd non for profit government start ups have gone out of business, why exchanges are collapsing and insurers are pulling out.


You can't make more demands on a service and not expect it to cost more.

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