Sukses Main Mahjong Ways Best808 Pahami Scatter dan Kombinasinya Mahjong Ways Best808 Simbol Scatter Meningkatkan Peluang Menang Kesalahan Umum Pemain Mahjong Ways di Best808 Auto Jackpot Strategi Terbaik Fitur Scatter Mahjong Ways Best808 Mahjong Ways Best808 Panduan Scatter Wild Hasil Maksimal Pola Mahjong Ways Best808 Gacor Scatter Menang Bongkar Misteri Mahjong Ways Best808 Kunci Kemenanganmu Mau Cuan Maksimal di Mahjong Ways Best808 Trik Menggunakan Scatter Agar Lebih Untung Main Mahjong Ways di Best808 Kenali Pola Scatter Free Spin Gandakan Kemenanganmu Rahasia Scatter Mahjong Ways Best808 Strategi Jitu Menang Jackpot Besar Misteri Scatter Mahjong Ways Tol777 Kunci Jackpot Besar Bongkar Rahasia Mahjong Ways Tol777 Fitur Scatter Pola Menang Mahjong Ways Tol777 Simbol Scatter Kemenangan Besar Main Mahjong Ways di Tol777 Cara Memanfaatkan Scatter Strategi Mahjong Ways Tol777 Rahasia Scatter Trik Menang Jackpot Analisis Pola Permainan Mahjong Ways Keunggulan Mahjong Ways Tol777 vs Tradisional Kombinasi Simbol Tertinggi Mahjong Ways Langkah Meningkatkan Keahlian Mahjong Ways Mahjong Ways Tol777 Berbeda dari Permainan Mengapa Mahjong Ways Tol777 Diminati Dunia Optimalkan Putaran Mahjong Ways Tol777 Sejarah Mahjong Ways Tol777 dan Keunikan Simbol Mahjong Ways Tol777 dan Pemanfaatannya Strategi Lanjutan Mahjong Ways Tol777 Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Cara Cepat Kuasai Mahjong Ways Tol777 Mengapa Mahjong Ways Tol777 Populer Mitos & Fakta Mahjong Ways Tol777 Strategi Pemula vs Pro Mahjong Ways Teknik Profesional Mahjong Ways Tol777 Mahjong Ways Tol777: Keberuntungan atau Skill? Mahjong Ways Tol777: Tradisi dan Inovasi Panduan Mahjong Ways Tol777 untuk Pemula Rahasia Menang Mahjong Ways Tol777 Tips Efektif Main Mahjong Ways Tol777 Kasino Online Kasino Online Kasino Online Kasino Online Kasino Online Kasino Online Kasino Online Kasino Online Kasino Online Kasino Online main mahjong ways di malam hari jackpot profit mengamati permainan mahjong ways dengan baik dan benar merasa bosan pada malam hari? coba cara bermain mahjong ways ini minum kopi memotivasi bermain mahjong ways nelayan tebing tinggi pola mahjong ways hasil mencengangkan pelajar bandung download mahjong ways peluang besar trik dan pola mahjong ways pemuda belanda tato mahjong ways mengenang jackpot satu miliar pola rtp mahjong ways terbaik resep bermain mahjong ways dengan mudah slot mahjong ways dikenal sejak abad ke-11 hingga zaman milenial video mahjong ways viral menghebohkan warga indonesia warga jayamakmur dulu diremehkan, bermain mahjong ways hidup berlimpah harta unik keren bali cendera mata mahjong ways rp100000 warga bingung merek cat dinding sama mahjong ways

What If They Created An Obamacare Market And Nobody Showed Up?


In early September, Aetna subsidiary Carelink/Coventry Health Care decided to pull out of the new insurance exchange established by Obamacare in West Virginia. Just one company will sell policies on the Mountaineer State’s exchange, which is set to open October 1.

About the same time, the non-profit FirstCarolinaCare Insurance did the same in North Carolina. So there will be just two carriers on North Carolina’s exchange.

It wasn’t supposed to be this way.

For three-and-a-half years, Democrats from President Obama on down have promised that the federal health reform law would create vibrant, competitive markets across the country, where people could go online and with a few clicks pick from a variety of competing health plans. The exchanges were supposed to be like Travelocity for health insurance.

Instead they’ve been plagued with technical problems, bureaucratic delays, and mountains of rules and regulations, to the point where most won’t function well, if at all, on opening day. And now insurance companies are backing away, out of fear that disaster looms ahead. The result will be little competition — and much higher prices.

Insurance giant Aetna for example, had initially planned to enter 14 markets. It ended up pulling out of five of them. The company even left the exchange in Connecticut, where it’s headquartered.

United Healthcare will venture into only 12 states — after saying previously that it might join 25.

And while Cigna sells individual policies in 10 states, it’s planning to participate in the exchanges of just five of them.

These companies are even steering clear of huge markets like California, Pennsylvania, and New Jersey.

Illinois’s insurance office predicted that 16 companies would sign up to do business in its exchange. Only six did so. Nebraska will have only four. And in Connecticut, consumers will have to choose from just three insurers.

The companies that have signed onto the exchanges have tended to be smaller, regional firms — or those that have never sold commercial insurance before. A study by the McKinsey & Co. consultancy found that 26 percent of the companies joining the exchanges are new carriers. In California, all but four of the 12 are selling commercial insurance for the first time. Half of those in New York are new to the market.

Whether these companies will have the knowledge, resources, expertise, and network of doctors and hospitals needed to succeed is an open question. Any failures will prove highly disruptive.

For small businesses counting on Obamacare to help them provide insurance to their workers, the situation isn’t any better.

Small businesses in Milwaukee, for example, will have just one or two companies to choose from, depending on where they operate. The one insurance firm that signed up for Washington state’s small-business exchange will only operate in two of the state’s 39 counties.

The dearth of insurance choices is also yielding a dearth of doctor choices. In order to keep costs down, many plans are limiting the number of doctors or hospitals their beneficiaries can visit. Blue Shield of California’s Silver Plan, for instance, will only cover 53 percent of doctors and 78 percent of hospitals, compared to a regular individual plan today.

So much for President Obama’s much-ballyhooed promise in 2009 that “[i]f you like your doctor, you will be able to keep your doctor. Period.”

Why are insurers avoiding Obamacare’s exchanges, particularly when the law promises an influx of millions of new, taxpayer-subsidized customers who are required by law to purchase insurance or pay a fine?

Government efforts to control the price of insurance are among the chief reasons. Aetna pulled out of Maryland after state regulators demanded a 29-percent reduction in its proposed rates. The company explained that those prices “would not allow us to collect enough premiums to cover the cost of the plans.”

The government is also having trouble getting the exchanges running. The latest evidence? According to a September 19 report in the Wall Street Journal, just days before the exchanges are set to go live, federal computer systems can’t accurately determine what people are supposed to pay for policies in the 36 state exchanges that the federal government is running on their own or in partnership with a state. Big insurers doubtless fear that they’ll take the blame for these sorts of glitches.

But the biggest reason that many insurers are staying away from the exchanges? Obamacare’s myriad mandates and regulations that risk pricing the young and healthy out of the market. That will leave insurers to cover only older, sicker people — for whom the law guarantees coverage at artificially low rates — in the insurance pool.

Obamacare’s backers insist that a few bumps and glitches are to be expected when creating a brand new government-run marketplace — and that they’ll get ironed out over time. But if only the sick show up to the exchanges — and if there’s no meaningful competition to hold premiums down — insurance prices will spiral upward until the exchanges collapse.

When Health and Human Services Secretary Kathleen Sebelius was asked earlier this year about how Obamacare’s exchanges would work, she said, “what we are going to see is a very different kind of competition.”

The American people aren’t going to like Obamacare’s brand of competition — dysfunctional marketplaces with few insurance choices.

Nothing contained in this blog is to be construed as necessarily reflecting the views of the Pacific Research Institute or as an attempt to thwart or aid the passage of any legislation.

Scroll to Top