Politicians conditioned Americans to focus on premiums and mislead them with the infamous “affordable” health care rhetoric. Too many Americans were convinced they could have it all if only the government stuck it to insurance companies and created competition.
Commentators who raised the red flag and tried to bring reality to the discussion were ridiculed by Obamacare supporters and the liberal left generally (including me).
There is nothing magic going on here. The fact is, that if you want low premiums and more generous benefits (not to mention open enrollment) as promised by Obamacare, something else must give. That something is shifting more risk to the users of health care.
Health officials and insurance counselors cite several mitigating factors. All plans must cover preventive services like mammograms and colonoscopies without a deductible or co-payment. Some plans may help pay for some items, like generic drugs or visits to a primary care doctor, before patients have met the deductible. Under the Affordable Care Act, health plans must have an overall limit on out-of-pocket costs, to protect people with serious illness against financial ruin. NYT 11-14-15
Those mitigating factors are some of the things that drive up premiums making other changes necessary in order to meet the political pressure to keep premiums “affordable.”
All this follows a pattern from the political left. As well intentioned as they may be, they continually fail to understand the reality of the real world. Everything has consequences, nothing is free, for every action there is a reaction and human nature tends to want to ignore it all and instead view things from the perspective of ones own interests only.