1) So he's not allowed to predict the future, but you are? Excuse me?
2)In 9 states out of 50 that was true for non-catastrophic plans, if you count catastrophic it was 12. 38 out of 50 states what you just said was blatantly false for. Additionally note that many of those plans whether they listed a cutoff or not often were located in states where they were allowed to drop you from any policy at any time for any reason by refunding the current calender year worth of premiums back to the subscriber.
Hell, for me, thanks to PEC the cheapest policy available to me in 2005 was $2.2k A MONTH (the coverage was pretty solid, but still $2.2k was the CHEAP policy, and my PEC is pretty damn minor besides for infants [lots of hand surgeries required - and no, my policy wouldn't cover a kid back then]) even when I was healthy without the PEC listed by my insurance the cheapest available with my perfect health previous in the state of Maryland as an individual policy holder? $375/mo for one that was absolute shitty coverage (far sub-Bronze tier for modern scales) and the Bronze+ plan that actually looked marginally usable? $550/mo.
Of course we've had laws on the books here for ages to prevent insurance companies finking out on clients though - so they pad their risk by overcharging intentionally.
1)He was not making a prediction about the future. He was making a statement about performance of ACA to date. Can you not read? He said "so far." I replied that we should not judge the worth of the ACA on performance 'so far' but rather on the long term, that is, 'later'. It seems every post I have to explain very basic things to you. It's getting tedious.
2)The topic was insurance for healthy people in their 20's, not those with any pre-existing conditions. Pre-ACA, with any pre-existing condition you were pretty well fucked (a complex problem caused by skyrocketing costs of healthcare relative to stagnant income). He mentioned broken bones and tonsils - things covered by any decent policy available to healthy 20's pre-ACA, such as mine, which I initially purchased for $125ish in 2011, up to $155ish in 2014. (Note: I bought the second most expensive policy available in my area, at the time.)
*I acknowledged that maybe this was not true if he lived in a high cost of living market. My state has a relatively low cost of living, considering the population density.
When you priced the policy without PEC listed, were you in your 20's? If not, your counterexample is not valid.
As for other problems, like getting dropped at any time - getting rid of such problems is a benefit of the ACA, I agree. Bad analogy: swat a fly on wall with hammer - small problem, fly, is gone. Now, though, bigger problem: hole in wall.
(In my state, insurance co could only cancel a policy mid-contract by exiting the market in the entire state.)
