No. of Recommendations: 34
Obamacare (the ACA) eliminates the choice of a "substandard" health insurance plan (e.g. a high-deductible plan without pregnancy, pediatric or drug coverage) and forces everyone to buy a more expensive plan with broad coverage.

That's true, but it is hardly the whole story. ACA also eliminates choices that insurance companies can make that adversely affect you. They can no longer drop you if you get an illness that starts costing a lot of money, or refuse to insure pre-existing conditions. Or refuse to insure you at all. That's a fairly important benefit.

You are currently very happy with your high deductible policy because you don't need it. Your insurance company is happy with the high deductible policy because they only collect premiums and never pay out.

But, without ACA, what happen a few years from now if you or your spouse get an illness that starts costing the insurance company money? Will they start denying claims and making you appeal every decision? Will they drag their feet on approvals until you die? Will they drop you entirely?

What if you want to move to another state where your present insurance company does not provide coverage? Will you be able to get insurance again? Will everything that has happened to you since you first took out your existing policy become a pre-existing condition that you can't insure? Will your inability to get acceptable insurance elsewhere trap you where you are?

All of these things happened prior to people prior to ACA. Some of them have happened to me. But with ACA, those issues are no longer of concern. So, yeah, you have less choice, but you also have quite a bit more protection. Unfortunately for you, it is going to cost more.

But your free market argument that you should have a right to choose really doesn't work anymore for health insurance than it does for building guns and missiles or building roads or supporting social security or any other government program. We don't get a bingo card that allows us to pay for only the things we think provide us with value.
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