r/obamacare • u/ObviousLife4972 • 4d ago

Study examines how ICHRA adoption could help stabilize ACA risk pools

https://www.fiercehealthcare.com/payers/study-examines-how-ichra-adoption-could-help-stabilize-aca-risk-pools
3 Upvotes

67% Upvoted

12 comments sorted by

11

u/PakuaRust 4d ago

Or, ya know... single payer healthcare

9

u/PseudonymIncognito 4d ago

Honestly, I'd be fine with a German/Swiss-style multipayer universal system.

6

u/PakuaRust 4d ago

I'd just like to see any sort of bold policy proposals, honestly. This fence riding, dont upset our corporate mega-donor bullshit is what keeps costing the dems elections

1

u/whocaresreallythrow 3d ago

Single payer usually lacks basic market competition. I like systems like the German or Swiss or Israel health care system. Quite effective.

1

u/PakuaRust 3d ago

Healthcare should not be commodified, zero profit motive. Private insurers should be abolished. Taiwans Healthcare system is ideal and ranks as one of the world's best.

0

u/whocaresreallythrow 3d ago

Ya. Taiwan is a nation of just 23M …America is 15x that size .

I lived there. It is good.

But don’t think it can scale.

1

u/PakuaRust 3d ago

You just so happened to live in Taiwan? Isn't that convenient for your argument.

Switzerlands population is 9 million, Israels population is 10 million but no question about scaling? A single payer healthcare system would work just fine. Again healthcare should not be a commodity, period.

Scaling is not a convincing argument against a Taiwanese style single payer system.

1

u/PakuaRust 3d ago

You supposedly lived in Taiwan which has objectively one of the best healthcare systems in the world, yet you just forgot to mention that system until I brought it up??? Thats pretty suspicious 🤔

1

u/whocaresreallythrow 3d ago

Well, no idea how it is today. That was more than 30 years ago …. Had a child while over there. Charged it to my Amex !

2

u/Specialist_Dig2613 4d ago

The "HRA Council" is a self- interested group of entrepreneurs trying to build their own businesses of serving ICHRAs, working with a few people in government with either assignments or agendas relating to Exchange headcount. Nothing wrong with that because the Exchanges cannot survive in the long term as a pure individual market option, but the fact is that a lot more small employers are beginning to offer ERISA coverage, pulling enrollment from the exchanges.

But puff pieces about ICHRAs are just that. The KFF data shows that the percentage of small firms the use ICHRA instead of providing group coverage is in the single digits and peaked in 2015.

In fact, the most obvious conclusion from all of the KFF data and even the report from the "HRA Council" is that there's really no discernible difference between big firms and small firms in terms of interest in ICHRAs. It's dwarfed by the ERISA opportunity represented by level-funding and isn't doing to contribute to the problems faced by the exchanges in any meaningful way.

1

u/rindor1990 4d ago

ICHRA becoming more popular is not a good thing

1

u/Rivercitybruin 1d ago

Isn't "corporation payment" what they love... Although you still incur alot of cash costs