r/HealthInsurance • u/pandapower63 • Apr 14 '24

Plan Choice Suggestions What can regular Americans who are fed up with their health insurance do about it?

I’ve written my elected officials in government. What else can we do? It’s depressing and it’s wrong. That people can’t get healthcare easily and affordably. People are dying early because they don’t get the care they need.

422 Upvotes
  • permalink
  • reddit

93% Upvoted

387 comments sorted by

View all comments

Show parent comments

4

u/i-VII-VI Apr 14 '24 edited Apr 14 '24

No. The public opinion is a government run insurance that competes directly with the private market. Obama wanted this originally but gave up on it in the final bill. We have health insurance exchanges, the public option never got passed. What’s funny is the public option is still not universal healthcare, it’s a moderate policy to try and drive down insurance companies prices.

Edit. Just was reading up on it, here’s a link. A democrat named Joe Lieberman threatened filibuster is the public option was included.

https://en.m.wikipedia.org/wiki/Public_health_insurance_option#:~:text=Following%20his%20election%2C%20Obama%20downplayed,removed%20from%20the%20final%20bill.

-1

u/myTchondria Apr 14 '24

Here is a good link to understand health insurance.

https://assurance.com/health-insurance/marketplace-vs-private-insurance/

I’d suggest contacting an insurance broker to see your options in your area as well as the marketplace.

2

u/i-VII-VI Apr 14 '24

If I’m understanding correctly the defining characteristic that is different seems to be direct competition of government and private products. We do not have this, if we did insurance companies could have to lower costs to compete. Which is why no politicians left right or whatever invested with these corporations would ever allow it.