No. of Recommendations: 41
The real reason the ACA debacle is a big deal is that it exposes the lunacy of paying an extra 20% in premiums to keep a for-profit health insurer between you and your doctor. It's relatively easy to sign up for Medicaid or Medicare, and you know what you've got once you're enrolled.

The whole maze of mandates and tax subsidies improves health care not a whit. The public is only being put through this inconvenience, because of the lobbying power of insurance companies.

And once you've selected a for-profit health insurance policy, the real fun begins when you try to make a claim and the insurer pulls out all the exclusions and gotchas that weren't covered in the summary of benefits in the sales literature.

CHICAGO (AP) — Bill Dunphy thought his colonoscopy would be free.

His insurance company told him it would be covered 100% with no copayment from him and no charge against his deductible. The Patient Protection and Affordable Care Act of 2010 (PPACA) now requires most insurance plans to cover all costs for preventive care including colon cancer screening. So Dunphy had the procedure in April.

Then the bill arrived: $1,100.

Dunphy, a 61-year-old Phoenix small business owner, angrily paid it out of his own pocket because of what some prevention advocates call a loophole. His doctor removed two noncancerous polyps during the colonoscopy. So while Dunphy was sedated, his preventive screening turned into a diagnostic procedure. That allowed his insurance company to bill him.

Like many Americans, Dunphy has a high-deductible insurance plan. He hadn't spent his deductible yet. So, on top of his $400 monthly premium, he had to pay the bill.

"That's bait and switch," Dunphy said. "If it isn't fraud, it's immoral."


As long as we keep for-profit insurers in the mix, the public will continue to get screwed.

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