Letter: Puzzling health care

Published: Friday, Dec. 27 2013 12:00 a.m. MST

The Affordable Care Act (also known as Obamacare) is in some ways a puzzlement. Everyone is by law required to buy health insurance, and any so-called "pre-existing" health conditions, which in the past may have prevented someone from purchasing health insurance, has been waived. Young, healthy people are especially needed to participate because the law needs the premiums they pay, in the expectation that they will not file claims, to pay for those less healthy who will file claims.

Indications are that premiums for ACA coverage are quite steep, costing several hundred dollars each month. First-dollar deductibles are also quite high, perhaps as much as $6,000 or more annually, which have to be paid by the policyholder before the ACA policy pays anything.

Young people are not known to be all that affluent, which begs the question: how can anyone logically expect young healthy people to spend such enormous sums for something they do not need? There is a penalty to pay if coverage is not purchased early, but this is apparently less than one month's premium for ACA coverage.

Jesse Wilson

Spanish Fork

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