re: Trump on Healthcare: "Who Knew?"

sorry I'm late

if we are talking plans, they have always been complicated. Coinsurance, high deductible plans, FSA, HSA, minimum deductible, max out of pocket, etc were always pretty hard for the average non health insurance trained employee to grasp, especially with so many options. There's a reason why open enrollments are more effective with the broker present to explain the plans to employees.

as for HC in general, it's always been complicated. MCOs, PPOs, HMOs, etc. Folks don't understand it. For instance, within an MCO in general, you have numerous MCOs that operate differently. A group practice without walls for instance is something that directly affects your physician's pay, and something you may or may not care about when deciding on a primary care physician.

Then there's point of service docs, and private fee for service, indemnity plans. It's just a lot. Generally it is dumbed down as most are in a PPO, but the point is that it was just as complicated before ACA as it is today. Not much of that really changed.