GMandJM wrote:
Individual Plan Subscribers = People who pay for their health insurance out-of-pocket and do not have insurance through an employer.
Group Plan Subsribers = People who have employer-based health insurance.
Affordable Care = Affordable Care Act
ObamaCare = A term often used to refer to ACA. Uesd somewhat interchangably depending on how you feel about ACA. I used both terms together to be neutral.
Pool = Group or subset of persons (in these instances: Those having or needing health insurance coverage)
Offloading = Directing into lower benefit plans such as an HMO and/or other insurance providers in the ACA marketplace (some people took exception to the term "offloading", so perhaps "shedding" more palatable)
I realize that I'm a bit of word-wonk when it comes to this subject. Hopefully this will clear things up for you, SRJ.
When people don't take the time to understand things it leads to that "lemming march" Bob Nestor described.
You still miss(ed) the mark GMJM.
The Q was to differentiate between the two plans, then define their differences.
The way your 1st post reads, there's no way to understand what you're referring to, since Individual Plans are available both directly, and, indirectly through the ACA sponsored site.
There also are misinterpretations of the individual plans that both websites offer, as not being identified in the post(s).
PPO and HMO are both available on both entities, at differing costs out of pocket per the individual - as well as different deductibles governing such plans potential costs.
And for the record, there's no such thing as; "Obamacare." That shouldn't be a part of the nomenclature here, as there then becomes confusion over plans, laws, etc.
Whether the PPO plan is being dropped has not been identified going forward as a loss that cannot be recouped as more and more individual workers join the required by law, mandatory healthcare insurance plans offered directly and by the ACA websites.
As the fines increase on the delinquent individuals failing to procure said health insurance coverages, their penalties will increase exponentially, as enforced by the I.R.S.
In short, the ACA is in a state of flux, as per the insurance carriers making a profit or a loss over time. Which is the bottom-line here.
