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OP/ED: ‘[Congress] Focus energies on making the law more friendly to catastrophic plans on their own…’

By Yevgeniy Feyman

May 20, 2013 – As I’ve written here and elsewhere, Obamacare furthers a public misconception of what “health insurance” is meant to be. The law requires plans that are sold on health insurance exchanges to cover a vast array of benefits (“Essential Required Benefits”) that include basic, inexpensive preventive care with no cost-sharing. And by doing so, the law mistakes what insurance actually is – a financial instrument to help individuals pay for costly, unexpected, events.

You want insurance that covers everything from an annual doctor’s visit to the $9-a-month birth control pill? Then be prepared to pay more.



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