I sympathize with her plight and appreciate her perspective on cost sharing programs but she does what so many authors discussing an ACA replacement do: confuse having health insurance with having healthcare. They’ve never been the same and shouldn’t be. That’s one reason the ACA was never going to work. It took something people need, healthcare, and made them pay for it ahead of time in a very inefficient and wasteful method then called it health insurance.  That’s not insurance at all.  It’s kind of like having a prepaid credit card that imposes huge fees to get access to the money you put on it. You stand little chance of getting the same value out of it that you put in it. 
Should I Lie About My Beliefs to Get Health Insurance?

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