here is how my ins. changed before 2010 my monthly premium for a employee only was $39 dollars a mouth with $10 dollar co-pays each time I visited the doctor a $250 deductible and a total out of pocket of $1100 after 2010 I now have a $2000 deductible which has to be met before the Ins. pays anything and a total out of pocket of $3300 which is better than the Obamacare open market but still it has changed 
Originally Posted by gary5912
The ACA law did not make changes to the "Employer Group Insurance Market" in a legislative sense. It did for the individual market, for example, the concept of the government exchanges. Your premium increased significantly since 2010 because people with pre-existing conditions were absorbed into the system. Prior to 2010 people with pre-existing conditions were not sold a health insurance policy in the individual market. Health insurance companies did this to maximize their profits.
The premium price would not have spiked like this if more low risk people had purchased health insurance. If you don't want to have a private sector solution, then the only other way to get people with pre-existing conditions into the system would be set up single payer system for them, like you have for Medicare. When the underwriter increases the premium or lowers it, he/she is just reacting to market forces. That's what we call capitalism. Republicans typically frown on government systems. You can't have it both ways. Pick your poison.
