HHS is so focused on premiums and making this trainwreck look affordable that they are missing the boat on a key component, the benefits. Without knowing the health history of the individual they may in fact be promoting the exact opposite of what the person is looking for: the greatest value for their dollar.
If I am a 27 year old with diabetes, am extremely obese, and suffer from Crohn's disease would I want to purchase a plan with a $5000 deductible and $6350 out of pocket maximum? That is what I will likely get for $83 per month.
From a financial standpoint:
Income: $25,000
Premiums: $996
OPM: $6350
Net Income: $17,654
30% of income for insurance and health care costs. This is what HHS considers "affordable".
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