I call bullshit, due to new laws the company I work for changed us all to high deductible insurance. I now pay 250 a paycheck for healthcare and the insurance company does not have to pay a dime until I spend $3,000 out of pocket, so yes a small few get some help, but a large group who sacrificed a lot to ensure our families had something get pushed to the edges, I get a health savings account, but I have to save $3,000 before I can see a doctor with out it costing me more than that. As for paying for preventive care My daughter needed some hearing test early in the year, she went in one day before her birthday, and the insurance company agrees this falls under preventive care, but since it was not her birthday they did not have to cover, if I would have waited another few days it would have been covered, or hay what if they explained this clearly, as I do not have time to research all the loop holes, I work 50 - 60 hours a week with a wife who does the same. So what is this hearing test cost (to be fair they did it twice) $1,000. what did they find, nothing, they want to do an MRI, but my out of pocket will be $4,000. So I have to wait to save up $2,000 for the insurance to pay a dime, and once they do pay they are not paying the entire price, no now I hit my $5,000 expected out of pocket funding, so why do I have insurance?.. Oh ya I get fined by the Government If I don't..
The Government can mandate until they are blue in the face, but if its not profitable the insurance companies will get around it.
also from CNBC http://www.cnbc.com/id/100376831/How_Obamacare_Is_Changing_Your_Health_Benefits
Employers will continue a push this year toward account-based health plans, also known as consumer-driven health plans. These plans come with low premiums, but high deductibles—patients are typically asked to pay the first $3,000 to $5,000 of each year's medical expenses themselves. These plans often add a health-savings account where the employee save pre-tax dollars to pay for those expenses.
Though often the employer will add money to the account as well as part of the employee's benefits, the point of these consumer-driven plans, as their name indicates, is to introduce market forces to our inefficient, price-bloated medical system.
"It's a step toward giving people more control," says Paul Fronstin, head of health-benefits research at the Employee Benefit Research Institute. "They say, 'We'll give you this pot of money and give you some exposure to the health care market.'"
read that last part with the first, over and over until 5th grade math kicks in. You have to spend $3000 before you get a dime, but you have to save the $3,000 first ($250 a month) plus the insurance premium you already pay, so you really get no health care until you save the money. So say you like me pay $250 every two weeks to cover a family of 5. that is $9,000 a year out of your pocket. So how will this bring down cost? You will pay it, have no real choice, you will still pay for insurance and now a new group, those who make money off setting up savings plans to meet government regulations is profiting, I see no incentive for the medical industry to lower cost, hell no they have your money already. And since my medical insurance only covers in network doctors, its not like I can shop around.. They all charge the rate negotiated with the insurance company.. WAKE the fuck up.. Obama and his plan is a insurance dream, it is corporate welfare..