Why can’t Senate Republicans just replace the Affordable Care Act with inexpensive, mandatory major medical catastrophic care insurance?
Everyone would still be covered, Medicaid would remain the same, children age 26 and under could be covered by their parents, and the insurance would cover pre-existing chronic conditions, illnesses and emergency care.
It wouldn’t cover maternity, dental, glasses, contraceptives, flu shots, colds, broken bones, doctor visits, blood tests and other tests unless they are associated with a major illness like cancer or heart disease, or a hospitalization. Instead, they would be covered with a supplement, if you want to buy one.
A small portion of each premium could go to the government for Medicaid expansion. But there would have to be a 90-day waiting period to buy supplemental coverage, so people wouldn’t wait until they needed the care to buy the supplement.
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