10-03-2013, 08:16 PM
One more question then, are you young and healthy? Your premiums before may have been individually rated, and now under the ACA premiums are community rated. This is a huge improvement, but it does raise premiums for some, particularly the young and heathly.
If you had a serious adverse event, or were diagnosed with something like diabetes, your individually rated premiums would have skyrocketed, for some even like a 1000x fold. Over the course of a life, everyone has some adverse events, so this catches up with most folks at some point (the alternative, which is considered to be worst, is to die suddenly and young).
I can't see maternity care costing very much. It is relatively cheap overall, and impacts only a small slice of the population, and the acuaries can obviously adjust the risk pool for pregnancy to account for old sterile men.
If you had a serious adverse event, or were diagnosed with something like diabetes, your individually rated premiums would have skyrocketed, for some even like a 1000x fold. Over the course of a life, everyone has some adverse events, so this catches up with most folks at some point (the alternative, which is considered to be worst, is to die suddenly and young).
I can't see maternity care costing very much. It is relatively cheap overall, and impacts only a small slice of the population, and the acuaries can obviously adjust the risk pool for pregnancy to account for old sterile men.