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Mandating this kind of comprehensive insurance which, again, people have said is one size fits all whether you need everything it provides or not. 60% of actuarial value means that there s not a lot of room for deductibles, not a lot of room for co-pays, not a lot of room for health savings accounts. most americans currently have the kind of insurance which has deductibles, has co-pays, has health savings accounts. you know what that means? lower premiums. so if you have to go to a state exchange where you re forced to get the kind of insurance which is too comprehensive, premiums are going to be very, very high. there s not going to be enough competition, not enough choice at the state exchange, then you may end up not being able to afford the premiums. patti ann: and the question is, will the exchanges even be ready? they re supposed to be ready to test in october 2013, that s 111 months away. they need a new network, and that is not even close to up and running. ....

Co Pays , Actuarial Value , Americans For Tax Reform , State Exchange , Health Savings Accounts , Patti Ann , October 2013 ,