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The researchers note that other factors such as health status and the complexity of the market can also affect the purchase of individual health insurance, but conclude that they are unlikely to be the primary drivers of low coverage rates. [14] Many states allow medical underwriting of applicants for individually purchased health insurance.
[96] "[S]mall businesses in California such as dairy farmers, car dealers, and accountants created AHPs "to buy health insurance on the premise that a bigger pool of enrollees would get them a better deal." [97] A November 2017 article in the Los Angeles Times described how there were only 4 remaining AHPs in California. Many of the AHPs filed ...
The primary reason for the 6.5 million (24%) increase in uninsured from 2016 to 2029 is the repeal of the ACA individual mandate to have health insurance, enacted as part of the Trump tax cuts, with people not obtaining comprehensive insurance in the absence of a mandate or due to higher insurance costs.
And because consumers with health insurance often must pick up a portion of their bill, health care prices matter. An MRI can cost $300 or $3,000, depending on where you get it. A colonoscopy can ...
Employer-sponsored health insurance, which insured over 160 million Americans, has lost some of its efficacy because companies have less leverage with insurers to lower premiums.
It mandates that all residents who can afford to do so purchase health insurance, provides subsidized insurance plans so that nearly everyone can afford health insurance, and provides a "Health Safety Net Fund" to pay for necessary treatment for those who cannot find affordable health insurance or are not eligible. [106]
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