>> Aaron Wolf:

“On a side note, I discovered that claiming a lower expected income gets dramatically lower-deductible from some plans through healthcare.gov regardless of being the same premium, same name of plan, etc. This is not related to subsidy from feds which is a tax detail. Literally saying you will earn $23k gets you a $500 deductible and saying you'll earn $40k gets you a $10,000 deductible for the otherwise identical plan at identical price.

Insurance is a screwy scam. We should just do Medicare for all.”

The problem with that is that mess over expected income is that you're supposed to do reconciliation on a month by month basis with the exchange as to your income amount. Failure to do so may result in Penalties & Interest being assessed in interesting ways for material misstatement of your income and, if somebody is feeling particularly nasty, violating 18 USC 1001. Everything will change because it is expected to change.

I am still left wondering how anybody thought PPACA was going to actually be functional. It certainly has increased the size of Medicaid enrollment if nothing else...