Why Low Premiums Might Be a Problem

Those optimistic about the success of the Affordable Care Act have been noting over the past several months that the premiums offered by insurers have been lower than those earlier forecast.  But if one looks carefully at the original rhetoric, the comparison tends to be between some of the lowest premiums offered within a jurisdiction and those originally forecast.  And this metric, according to ACA proponents, is appropriate because they expect consumers to focus purchases on the lowest cost policies.

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