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Comment by efa | Hacker News Reader

Yes you are supposed to buy insurance (though many just take the penalty). Many Obamacare plans are pretty crappy with low max pay outs. It drives me crazy when people don't read the plans they are buying. My plan has a huge deductible (10k) but no max pay out. So basically I pay 100% for everything but if I ever need some serious hospital time I'd only be out 10k. (And it's very expensive).

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I was pretty sure the Obamacare plans had OOP Maximums (out of pocket maximums), i.e. after a certain amount, your insurance pays for 100% of your medical expenses for the year. It might have been kind of high, but I was pretty sure it had it. (I had to have Obamacare for a few months in between jobs).

I'm really going to miss the NHS when the tories have finished dismantling it. :(

NHS and ACA really have absolutely nothing to do with each other.

The NHS has serious problems related to accountability, the typical problem with huge multi-level government bureaucracies. Honestly, the NHS has similar problems to the American public education system, for mostly the same reasons.

The ACA has the serious problem that it was explicitly sold as a way to contain costs both at an individual and aggregate level. That has pretty much been exposed as a lie.

The ACA has been good for the narrow band of people who were included in the expanded medicaid coverage, but it's not too hard to imagine a separate (and much simpler) bill that accomplished that part of the bill, without the massive rework of healthcare for the middle class.

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