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Krklar...Yes...the ACA has already created competition. The goal of the ACA was to provide Americans a way to access quality health care insurance that's affordable. How affordable would healthcare insurance be with zero reforms? The ACA offers many people more benefits than HMOs want to provide. Why? Profit. What else?
Yes. Businesses need to make a profit. Access to healthcare is not a for profit business. That's akin to being in the human flesh trade.
There are 3 basic points of the ACA: Everyone will qualify for health insurance regardless of medical condition. Did HMOs offer that qualification? You bet not. Why not? Profit. Most Americans will be required to have health insurance. Accent on the word "most." Most Americans today can't afford healthcare insurance and most employers who own stable businesses can't either. Eligible Americans will receive tax credits to help pay for their healthcare insurance.
The real change is the mandate of the President's plan that HMOs stop claiming 80% of their incoming revenues as "profit," and then raising the cost of healthcare premiums, dropping policies and rejecting claims all to create a budget for the 20% remaining, plus tax subsidies and exemptions. HMOs have been playing numbers games for decades and now, healthcare insurance is no longer affordable thanks to their greed. There isn't a single HMO CEO earning less than $1 million a year. That's an abomination. How do they sleep at night knowing they ripped consumers off who are desperately ill?