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FRANKLIN, Tenn. — When Phil Yates walked into a tiny strip mall storefront last month, he was hopeful he might walk out with an affordable health insurance plan.

Here in the Volunteer State, the 61-year-old retiree had a decent shot: Another 61-year-old retiree could have walked into that same office and enrolled in a relatively basic plan for as little as $283 per month, far less than the $860 a month Yates paid this year for an Obamacare plan.

But Yates has diabetes — and while that wouldn’t matter to other insurers, it matters a lot to the local company he had pinned his hopes on: Tennessee Farm Bureau Health Plans. Farm Bureau, as it’s known colloquially, is still using customers’ health status to determine their rates and eligibility — so Yates’s diabetes is enough to exclude him from coverage. In fact, excluding consumers like Yates is one of the main reasons Farm Bureau’s prices are so low — the company can keep costs down by mainly covering people who are healthy.


For every other insurer in the country, this kind of discrimination was made illegal by the Affordable Care Act. But because of a decades-old state law, Farm Bureau’s health plans don’t have to play by Obamacare’s rules.

For many Republicans in Washington, plans like the Farm Bureau’s, with fewer regulatory burdens and lower prices, are the answer to all of the ACA’s ills. They could also be the future, in their view, for the rest of the country.

An executive order President Trump signed last month — the most significant action he has taken on health care reform since his election — directs several agencies to find ways to encourage similar kinds of plans, including short-term policies that can deny people with preexisting conditions and association health plans that will be subject to far less regulatory oversight.


Democrats vilify these kinds of plans and some of the practices Farm Bureau engages in. They say people like Yates should have the same access as everyone else. And they think separating healthy and sick people into different groups, with different rules, will make prices higher and care worse for sicker Americans like him.

But as interviews with insurers, brokers, consumers, regulators, and lawmakers across the state of Tennessee show, Farm Bureau might not fit neatly into a box: It isn’t nearly the villain that ACA supporters paint it out to be; but it also isn’t the cure-all Republicans have promised.

Farm Bureau is popular in the state, both with consumers and regulators, precisely because it isn’t taking advantage of its regulatory freedom to engage in some of the practices Republicans have championed.

It isn’t clear whether other insurers will be able to replicate what it’s done. And of course, even if they could, it won’t do much to help consumers like Yates.

He’s shelled out more than $12,000 this year toward his premiums and his deductible alone.

“With Trump’s announcements, I thought something might change. They’ve had seven years to look into all this detail and they’ve come up with a bunch of boloney. I’m very disappointed,” Yates said. “From a practical standpoint, there’s been no help yet.”

Until recently, few of Washington’s health experts had heard of Tennessee Farm Bureau Health Plans.

And that’s how the company liked it.

Its headquarters isn’t nearly as glamorous — or ominous — as the shining, uber-secure cathedral of a complex that its biggest competitor, BlueCross BlueShield of Tennessee, enjoys on a hilltop overlooking Chattanooga. Its nondescript brown-brick headquarters sits a little outside the tiny Middle Tennessee town of Columbia, best known for an annual weeklong celebration of mules.

“You can look around and see we’re not a big, huge insurance conglomerate, or whatever, ” drawls Randy Wilmore, the unwaveringly polite Tennessean who’s been the company’s chief marketing officer for about three years, leaning back in his office chair and flashing an easy smile.

But that unassuming, easy-to-miss ethos — and the low profile Farm Bureau has labored to maintain — belies its sizeable presence in the state. Across the Farm Bureau Health Plans business, the company covered more than 16 percent of the roughly 344,000 people in Tennessee who don’t get insurance through their job or a government program in 2016 — a market share second only to the state’s BlueCross plan, which has long dominated the individual market in the state, according to figures from SNL Financial.

Some 25,400 people in Tennessee have the kind of plan Yates was trying to get — what the company calls a “traditional” health plan.

It’s an apt description — this style of insurance would be familiar to consumers who shopped for their own plans in the days before Obamacare. The company flatly excludes anyone with an especially pricey health condition, like Yates’s diabetes. Its rates are based on a person’s age, tobacco use, and other health status indicators — and sick people, when they do get coverage, pay higher rates. Maternity coverage costs extra, and doesn’t kick in right away.

The application — much longer than’s — asks about cholesterol and glucose levels, recent bouts with cancer, stroke, heart attack, epilepsy, and Alzheimer’s, among other diseases. Maximum out-of-pocket costs are higher, too.

Despite Obamacare’s strict rules against these practices, Farm Bureau can still sell those plans — because under Tennessee statute, it’s technically not considered an insurance company and thus not subject to insurance regulation or oversight.

In a testament to Farm Bureau’s clout across the state’s conservative legislature, it won the exemption from regulation back in 1993, as part of an effort to avoid the 2.5 percent tax that the rest of the health insurers in Tennessee pay on each premium they collect. The same text also shields it from other state requirements, like how much capital the company must keep in its reserve accounts.

“It’s not a loophole. It’s not an accident.”

Ryan Brown, general counsel for Tennessee Farm Bureau Health Plans

Farm Bureau still pays some state and federal taxes, including the ACA’s health insurance tax, on all of its individual plans. And because its traditional plans aren’t compliant with Obamacare, those customers do have to pay the federal tax penalty if they forego health insurance through the ACA.

“The legislature has an opportunity every year to say no, we don’t want this setup to continue, and yet every year since 1993 they’ve allowed this to continue because we’re trusted, because we’re doing what we told them we would do,” Ryan Brown, the company’s quieter general counsel, said, repeating himself for emphasis. “It’s not a loophole. It’s not an accident.”

Republicans weren’t thinking of Tennessee Farm Bureau as they labored to draft an Obamacare overhaul in the basement meeting rooms of Capitol Hill, or when they gathered in the Roosevelt Room as Trump signed his executive order. But the company nonetheless exemplifies many of their clearest talking points.

The Republican Party has spent most of this year pushing to exempt most insurers from Obamacare’s onerous regulations, designing intricate waivers under which insurance companies could, for example, deny coverage to sick Americans, or charge more depending on an individual’s health conditions — as Farm Bureau does.

To be sure, not every Republican supports a straightforward rollback of Obamacare’s protections for preexisting conditions. But many of the other policies up for debate would have had a similar effect. One would have let insurers charge older Americans like Yates many times more than younger members, rather than the 3:1 limit included in current law. Others would let companies decline to offer certain benefits, like insulin or chemotherapy treatments, effectively banning people with diabetes or cancer.

The Trump administration’s October executive order similarly looks to create a separate, less-regulated insurance market alongside the existing Obamacare markets. The details are still being fleshed out, but the order encourages the administration to develop rules to let small businesses band together in less regulated plans like Farm Bureau’s, though likely with some additional federal protections for those with preexisting conditions. The short-term plans that the executive order also encourages likely wouldn’t include those protections.

“Many Obamacare regulations will be waived for those in these [new plans], including costly mandates on what the plans must cover,” Sen. Rand Paul of Kentucky, who pushed Trump toward the executive order, wrote in an op-ed last month. “This isn’t a government mandate. It isn’t a subsidy. It isn’t a tax. Rather, it is the removal of government regulation and barriers to the best possible health care for millions of people.”

Democrats — along with many national insurance companies, actuaries, and state regulators — have a laundry list of concerns with the proposals.

Their chief critique: Anything that segments the already small group of people eligible for Obamacare — the 21 million or so Americans who don’t get their health insurance through their job or a government program — will make costs higher and coverage worse for sicker Americans who get turned away from plans like Farm Bureau’s.

Split up healthy consumers from the sick, and the healthy pay less while the sick are asked to cover one another’s massive bills. That only gets worse over time, Democrats say, as higher prices in one group leave more and more people looking for other options.

Encouraging these plans “will send costs soaring for older Americans and those with preexisting conditions, and add further chaos to the markets,” Senate Minority Leader Chuck Schumer of New York said in a statement after the executive order. “If the system deteriorates, make no mistake about it, the blame will fall squarely on the president’s back.”

Across Tennessee, at least for healthy individuals, Farm Bureau’s plans are popular — as Republicans argue they would be.

Take Jason Lindsey, who lives near the Farm Bureau headquarters and manages one branch of a small, independent pharmacy in Centerville, a 30-minute drive through the woodsy, farm-dotted state highways of central Tennessee.

If he chose to purchase coverage on this year, he would have paid at least $1,500 per month for a plan that came with a $11,300 family deductible to cover himself, his wife, and their two kids. Instead, the 37-year-old Lindsey pays just $480 per month for a traditional Farm Bureau plan.

“It was our most affordable option,” Lindsey said plainly. “We’ve got essentially a security blanket in case something bad happens. Ideally that’s what insurance should be anyway.”

(For an extra $180 a month, Lindsey also elects additional coverage through a Christian health care sharing ministry — an even less regulated plan with additional religious requirements, like a pledge that he won’t abuse alcohol. Under the Obamacare statute, members of those plans don’t pay the penalty.)

“It was our most affordable option. We’ve got essentially a security blanket in case something bad happens.”

Jason Lindsey, Tennessee resident

If Republicans are looking to Lindsey, however, Democrats have their eyes on people like Jerry Burgess.

Burgess is the relatively reserved, bespectacled former CEO of Community Health Alliance — one of the nonprofit health insurance co-ops kickstarted by Obamacare. A longtime health executive in the Knoxville area, Burgess took up the call of Obamacare’s architects and set out to compete with existing insurers in the state — and to do so without having to deliver profits to stockholders.

But Burgess ran into the exact problems Democrats have long warned about when it comes to unregulated health plans: While the healthy Lindseys of the world flock to the cheaper, skimpier Farm Bureau plans, or stuck with older policies, his and other compliant plans got stuck with the older, sicker individuals, like Yates.

“Here we are, a brand-new health care company on the exchange, following all of the requirements — essential benefits, guaranteed issue, the taxes and everything,” Burgess remembered. Farm Bureau and others offering noncompliant plans, meanwhile, “didn’t have to comply” with those regulations.

“We got the sicker folks,” he said.

Farm Bureau Insurance Ad
This ad for Farm Bureau Health Plans appears in this fall’s Tennessee Home & Farm, a magazine for the broader Farm Bureau membership.

It certainly wasn’t just Farm Bureau, and it wasn’t just in Tennessee — the same dynamic plagued states around the country, particularly after then-President Obama allowed some individuals to keep cheaper, paltrier insurance plans they’d bought before Obamacare.

But Tennessee’s Obamacare market is much, much sicker than in many other states. Insurers here have raised rates by anywhere from 20 percent to 60 percent each year, spikes that have put the state among the highest in the U.S. time and time again. In several parts of the state, including the Knoxville area where Burgess lives, the market conditions looked so poor that at least for a time, no insurance company was willing to sell plans.

Actuarial experts say the segmenting of the market — exacerbated by Farm Bureau — is to blame. In nearly all other states, for example, somewhere between 50 percent and 60 percent of the eligible population buys their coverage on or the state exchange. In Tennessee, that figure is a paltry 43 percent, according to a state-by-state analysis of the market by actuarial giant Milliman.

BlueCross BlueShield of Tennessee — the “800-pound gorilla of health insurance” in the state, according to one Republican state lawmaker — declined to comment on whether Farm Bureau’s presence made it harder to sell regulated health plans. But any insurer that plays by Obamacare’s rules would naturally see business weakened by a segmented market.

And the two competitors have a tumultuous history, especially lately. BlueCross BlueShield of Tennessee used to process claims and provide backend support to Farm Bureau’s plans. But in July 2015, the larger company severed that contract, abruptly ending a decades-long relationship between the state’s two home-grown insurers. (A spokesperson for the Blues plan said it hadn’t ended the contract because of competition in the individual market.)

Farm Bureau maintains that it is too small a competitor to have a major impact on the state’s individual market, covering just 25,000 Tennesseans, compared with the roughly 230,000 who buy coverage on the exchange.

“To me, if you took those 25,000 covered lives today and threw them in, I don’t think it moves the needle,” Wilmore said. “You look at the number of folks on the exchange — it’s an argument that I think doesn’t have a lot of validity. Would putting those people into that pool help? … If we went away, would it fix Tennessee’s problems? Would it fix the other 49 states?”

Farm Bureau isn’t just any unregulated insurance company. It’s an institution in Tennessee, present in every single county and practically revered for its 70-year history of neighborliness and customer service. Its friendly spokeswoman Tracy appears in all its ads, decked out in the same red blazer on local TV and in The Tennessean. 

It offers a whole host of other insurance products, like auto and life coverage, that are subject to regular insurance rules. And the entity that offers less regulated health plans — technically known as TRH, a division of the Farm Bureau Health Plans business within the broader Farm Bureau — has been a much more responsible company than Democrats and other critics fear it could be. But it’s also a much harder model to copy than Republicans realize.

Farm Bureau, for example, doesn’t kick any of its members out once they get sick. They can always renew their coverage, even if they develop a costly condition.

The bureau also does not have a blanket exclusion for all consumers with preexisting conditions. While Yates was turned away, others agree to a “preexisting condition waiting period,” meaning coverage of any care related to their specific health issue won’t kick in for six months. The idea is to make sure people don’t join the plan for one month, elect for an expensive surgery, then drop off the coverage.

The benefits themselves are pretty robust, too. The plans were actually designed with Obamacare’s “minimum essential coverage” requirements in mind — indeed, the Farm Bureau actually worked with the Obama administration to earn that designation, which would have shielded its customers from the tax penalty, but its application was ultimately denied. It offers a relatively comprehensive provider network and no annual or lifetime caps. The plans have an actuarial value of at least 60 percent, though it’s tough to compare to different ACA plans.

“The guts of these Farm Bureau plans are much more substantial than other noncompliant plans out there. A lot of these plans, like short-term or hybrid plans — they really have very significant internal limitations,” said Tatum Allsep, the founder of Nashville’s Music Health Alliance, which helps the city’s musicians find health insurance. “Farm Bureau — it’s awesome if you’re healthy.”

The company has even agreed to subject itself to the consumer complaint process overseen by the state’s Department of Commerce and Insurance — so even though it isn’t technically regulated by the state, the commissioner could oversee the resolution of any major consumer complaints.

“We’re not rogue. You can’t have this line of business that’s regulated over here and then have this other that’s off doing whatever,” Wilmore said. “If we were rogue, we wouldn’t be around. … We really pretty much mirror what a true regulated company would do.”

“If we were rogue, we wouldn’t be around. … We really pretty much mirror what a true regulated company would do.”

Randy Wilmore, Farm Bureau chief marketing officer

In more than two weeks of talking with consumer advocates, health insurance brokers, and other officials throughout the state, STAT could find no individuals who’d been kicked off a traditional plan or raised major flags about a coverage issue, once they’d made it through the underwriting. More than a dozen insurance brokers across the state said they’d recommended the plans to customers stuck with high premiums under Obamacare.

“These are the people you see at the grocery store, you see at church — wherever you see them,” Wilmore said, laughing as he recounts having to send his own pastor a letter that the clergyman, like the others with his health plan, would face higher premiums one year.

“It’s not just lip service when we say, we feel your pain. Because not only do we hear it, but we hear it from family, friends — even my pastor.”

If President Trump and Republicans in Washington make good on their threats to end the individual mandate, which penalizes people who buy these unregulated plans, Farm Bureau and plans like it could see their membership jump.

That could magnify Farm Bureau’s destabilizing effect on the rest of the state’s insurance market.

There’s also no way for Republicans to guarantee insurers will act like Farm Bureau if they roll back regulations or otherwise encourage more of these unregulated plans to form. Not every company will be a nonprofit. Not every company will so clearly delineate what its plans do and don’t cover, or take pains to meet minimum benefit standards. Not every company will have the same community-focused outlook.

“Not every association plan is the Farm Bureau,” says Tim Jost, an emeritus professor at the Washington and Lee University School of Law. “These plans have a history of fraud, insolvencies, and all kinds of bad behavior.”

Julie Mix McPeak, the state’s blunt but affable insurance commissioner, has her fair share of concerns with unregulated plans that aren’t subject to her oversight. She wouldn’t be able to track the finances, for example, of most of the less-regulated plans the Trump administration is encouraging. A new insurer that could avoid oversight, she suggested, might run into financial troubles, declare bankruptcy, and then “restart another operation down the road excluding some of the sickest consumers.”

It just so happens that Farm Bureau is different, she said.

“They are not going anywhere, they are committed to this state and they are certainly committed to the Farm Bureau members, providing all lines of business. They are a strong corporate citizen,” she told STAT. Other new insurers “might not have that same commitment to the state and to our consumers.”

Of course, even in Tennessee, Farm Bureau isn’t perfect. It is making Tennessee’s already sick insurance market even sicker.

That may not be a problem for the healthy people who manage to get covered with Farm Bureau. And it may not be a problem for the poorer people who get subsidies on, who will see their subsidies increase proportionately as prices go up.

But Farm Bureau is making health insurance more expensive for Phil Yates and others like him — the individuals who don’t qualify for subsidies but want and need comprehensive health insurance. For these consumers, there’s been no way out of the costly insurance quagmire Obamacare created for them.

“I’m in no-man’s land,” Yates lamented. “It’s been total frustration.”

Erin Mershon produced this special report as part of a yearlong reporting fellowship sponsored by the Association of Health Care Journalists and supported by The Commonwealth Fund.

  • After being scrutinized in the approval process for over a month, we were approved, but on separate policies. Because my husband has sleep apnea, they would not put him on our family plan. So we are paying for two policies. Second, went to the doctor for a sore throat and FB or UHC denied the coverage, stating it was pre-existing. Adding insult to injury, received a letter two months into the policy that our rates are going up 20% in December. This insurance is the biggest scam that is out there. I will be cancelling this farce of an insurance policy and I do hope that they are shutdown eventually.

  • Hey, I have an idea! FORCE insurance companies to insure people with pre-existing conditions, AND make them charge the same as for everyone else. Although I’d love to see people who are more than 40 pounds overweight, or who drink or smoke, pay more. No, I’m not 39 pounds overweight.

  • Farm Bureau is not at all the wonderful, innovative and gutsy health insurance alternative as it is described in this article.

    From the simplest problems such as being overwhelmed and understaffed, to the greatest problems that brought about the demise of their group-type plan, the Farm Bureau has left Tennesseans between a rock and a hard place after only a year.

    I refer to it as an “group-type plan” because to take part in the plan you first had to join the Farm Bureau coop to qualify to be in their group.

    It bears mentioning that the announcement of the plan’s demise came well before this article’s publish date, so I’m not sure why it wasn’t mentioned in the article.

    I am one of the desperate Tennesseans left high and dry. I have plenty of money to pay for not only health insurance, but to self-pay for my own health care without insurance, but that isn’t an option, is it. Being medically uninsurable leaves me with only two options and both options are despicable.

    The Farm Bureau gave thousands and thousands of Tennesseans peace of mind with its group-type plan and then announced it would take it away within a few months. I resent it far more than I can put into words here.

  • Socialized medicine for those qualifying for public housing. For those who don’t, a basic plan such as offered by the Tenn co. Additionally, not qualifiers to soc med plan could buy from govt a catastrophic regardless of pre existing conditions.

    • I’m sorry, but your suggestion is not at all advantageous for middle class to upper middle class people with pre-existing health issues who need more than a catastrophic plan. And that’s a whole bunch o’ people.

  • You should have provided what Yates’ cost would be for the ACA-compliant insurance policy that he could get from Blue Cross or United Healthcare. He likely only has one choice depending on which county he lives in and Blue Cross pulled out of Nashville and Memphis because they were going broke on Obamacare. 5% of enrollees were representing 75% of their claims. A current quote I have for family coverage from Blue Cross for a $5000 deductible ACA-compliant plan with only 50% coinsurance is over $2900 per month. That’s almost $35,000 per year for insurance with a $5000 deductible. The median household annual income in TN is less than $50,000. So you can choose the single Obamacare Unaffordable Care Act plan available to you and die of starvation or exposure, because you won’t have enough money for both food and housing – but hey, you’ll have a $5000 deductible insurance plan that is ACA approved!

  • Health insurance is not healthcare. People need healthcare not health insurance. Health insurance is a risk product. It is an instrument that allows healthy individuals to hedge against unforeseen sickness and catastrophic disease by joining a pool of like minded individuals. It was never meant as an instrument to provide general welfare to individuals with known health issues. Obamacare is welfare. It is a Robin Hood program designed to steal from the healthy to pay for the health care costs of those who are sick.
    Think of how high your car insurance premiums would be if the government created ObamaCAR. The government forces car insurance companies to ignore preexisting conditions, and every junk yard in the USA becomes a like-new used car lot. Your car insurance premiums would sky-rocket. Sound familiar?

    • I’m sorry, but this is just nonsense. Communities were never meant to let individuals hang out to dry. The whole point of a community is to take care of those who can’t care for themselves. For starters, stable societies create strong, equitable economies. Your Robin Hood narrative is completely misplaced. Why don’t you just come out and say that you have zero compassion for those less fortunate. At least I could respect your honesty. Even worse is the car comparison. It works EXACTLY as the ACA is intended to. Its scale is what makes it work. Because good drivers and bad drivers all pay into it, we can all afford it. And it’s required BY LAW!

    • (I apologize for the length of this post. Based upon the comment above, I think significant clarification is required here. If long posts offend you, then you should skip this one.)

      Sir or Madame, I’m sorry, but your thesis couldn’t be more wrong. Make no mistake about it: health insurance most certainly IS health care, because if you don’t have health insurance, you get no health care unless you are among the poorest of the poor in America.

      You seem to have come here to elucidate the basics of the insurance industry. I don’t think there are many people who need such an explanation (“a risk product”). Perhaps you felt like you had an understanding of the industry that you think others don’t possess and that prompted you to write your post. However, I submit that most every adult understand how insurance industry works at the level at which you explained it.

      Now, allow me to tell you how it DOESN’T work.

      Have you ever been without health insurance for any extended period in your life and needed it desperately? I’m thinking no. Based on your comments, I’m guessing you have what you think is a nice, safe insurance plan through your company. There was a time my employees believed that, as well.

      Despite being a business owner with several employees and having plenty of my own money to handle my health needs, the medical profession doesn’t work on a cash basis and they were unimpressed with my net worth. Without insurance, I had no access to health care.

      You see, I am medically uninsurable due to insomnia. Yeah, insomnia. Go figure.

      It was during this extended period of being uninsurable that I had a medical emergency and was told in the emergency room I needed immediate surgery.

      Had you ever been in the same situation, you would have found, as I did, that when you call to make an appointment with a surgeon, receptionists nationwide have been trained to first ask, “And who is your insurance with?”

      When you say you have no insurance you WILL BE TURNED AWAY. It happened to me over and over and over and over and over again. Actually, more than that because I contacted more than 40 surgeons to be told the same thing: “Sorry, Dr. (AddNameHere) cannot see you without health insurance.”

      After 16 months of that, our governor finally instituted a wonderful plan that allowed small business owners – like me – to offer our employees health insurance.

      Business owners paid a third of the premium, the employee paid a third and the state payed a third. It was a wonderful program and it ended with the onset of the Affordable Care Act.

      But upon its implementation, I was ecstatic! I was finally able to get the surgery I needed, but my joy turned to horror in the recovery room when I received news that would forever change my life: the damage that had been done during those 16 months I searched for a surgeon was catastrophic, and what would have been an easy fix turned into a life of hell.

      I am now disabled at an early age, bed-ridden almost every day and in excruciating pain that haunts me not only when I am awake but it awakens me from sleep, which is precious to me because I get relief from the pain only during sleep.

      I’ve lost my friends, relationships and being active in my church, including my passion: my mission work in Haiti, Africa and here at home. I lost my company and my employee lost their jobs which meant THEY lost their insurance, that insurance they thought was safe.

      My pain now is so great that every day most of my time is spent fighting with myself over whether to remain in this world or leave it by my own hand. I think of the faces of my beloved grandchildren and choose to stay another day. But however wonderful those angels are and the overwhelming love I have for them, even with them it is getting harder and harder to stay. I’m on the strongest medication known to man and it doesn’t touch the pain.

      All I had needed was a simple surgery that made less than a one-inch incision and I would have been back on my feet within a couple of days. THAT is what happens when there is no health insurance, my friend. So you make no mistake about it: HEALTH INSURANCE = HEALTH CARE.

      And while I was not at all a fan of President Obama, the Affordable Care Act is most certainly NOT welfare, and it is most certainly NOT “a Robin Hood program designed to steal from the healthy to pay for the health care costs of those who are sick.” How dare you even suggest that?

      According to the AIER, American Institute for Economic Research, “The purpose of the Affordable Care Act, or ACA, is to make health insurance more affordable for those WITH LITTLE OR NO COVERAGE.” (Emphasis mine.)

      “While the vast majority of people in the United States had health insurance before the ACA, the new law is aimed at people who would not or COULD NOT (also, emphasis mine) buy insurance. It is also aimed at those referred to as the underinsured, people who have health care coverage that does not adequately protect them from high medical expenses. Although the law includes some provisions intended to control costs, the most immediate impact to consumers will be on insurance premiums and out-of-pocket costs for health care and on access to insurance.”

      Those “consumers” to which the AIER refers are those who purchase health insurance through the ACA, not on people like you. The bottom line IS the actual bottom line…”the most immediate impact to consumers will be…on access to insurance.”

      My first year on a marketplace plan my monthly premium was $784. It has since grown to $1,250 a month and I PAY EVERY DIME. Is THAT what you call welfare? Or, did you think everyone on an ACA plan gets government subsidies? There are many of us who are paying our own way. I’ve never taken a dime of government assistance and I’m not starting now. I’m curious, do YOU paid $1250 for a month’s premium for only one person?

      I am going to say one last thing to you and I want you to know that I DO truly mean it respectfully. Before you post opinions on the Internet that reveal your ignorance of the subject, I encourage you to ensure you understand all of the elements of a debate or issue You seem like an intelligent person who has simply regurgitated what he/she has heard from uninformed angry people and is writing it here as fact without fully grasping the true facts and impacts of this issue on the insurance industry, the medical profession, citizens and the government.

      Know before you type.

      Best wishes to you, truly.

    • Carroll, God Bless You!
      The US is the only industrialized country without universal government provided healthcare paid for through taxes imposed at graduated rates. Out system kills its citizens for the benefit of a panoply of special interest groups. Especially aggravating is the plethora of misinformation and lies propagated by these groups that hoodwinks many the very persons who would benefit from a single payer system.

  • IMO, it is the goal of this administration for sick people to JUST DIE.

    Saves alot of money on health cost.

    IMO, it is the goal of this administration for people over 62 who don’t have at least $500,000 net worth, to JUST DIE.

    Think how much better the financial position of The Social Security Administration would be .

    All to make America Great Again.

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