and guess what...choice of doctors and hospitals being restricted to keep costs down
As I've warned,
many (probably most) of these Obamacare "Exchange" Plans intend to reimburse providers at very low rates compared to the same insurance company's non-exchange plans. They are often using Medicaid fee schedules. It's why the exchange policies are referred to as "Obamacaid".
Little, if any, of this is discernible to the consumer as he chooses a plan.
A person who had United Health Insurance gets kicked off the old "crummy" plan. He is offered a new United Health Plan thru the Exchange. It costs a bit more and has higher deductibles, but the consumer assumes it is otherwise identical to his previous plan. It isn't! In many cases the new plan will cut provider and facility reimbursement dramatically. Many providers and facilities will have to opt out.
Because the Healthcare.gov exchanges are still nonoperational, one has to look to state plans to preview the impact. In New York for example, 40% of MDs have already opted out of the exchange plans. Another 30% are unsure if they will choose to participate.
With up to 100 million Americans being kicked to the exchanges next year, this is going to get ugly.