Ok, guys, back to the corner...
1. The ability to see a doc on an Exchange plan is STATE specific. In NJ (which has always accepted HMO
's), the Exchange clients have no issues finding a doc. In Texas (where Tater and I both reside), HMO
's are the Devil's work and doctors think that Exchange clients aren't going to pay their bills and/or have leprosy. One of those. For the last 3 years, Tater and I have dealt with daily phone calls that begin with "I can't find a doctor". There are no universal answers on "can't find a doc". Its very regional.
2. There are 2 issues with the pool going forward. (I don't want to beat the dead horse on the $.12. Thanks, Senator Rubio!) The first issue is the 80/20 rule. 20% of the participants are responsible for 80% of the claims. The second issue is the people who only jump in the pool when they are sick. (I'm looking at you, Medi-Share and STM).
, the high risk pools are the way to move forward, with a few caveats:
EHB (especially unlimited lifetime max) must hold on the pools.
Pre-Ex (using the old HIPAA
guidelines) must be reintroduced for 2020. If you want a MediShare plan in 2019, that's great, but when you jump into the pool, you get hit with 6/6/12/12.
SC-don't try arguing State's Rights with a true Texan. Our textbooks teach that the Civil War was fought over State's Rights. Not kidding. You aren't ever going to win that argument.
And none of this means crap if CSR
's aren't funded on the 21st.