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Critiquing Health Insurance Dynamics
This chapter examines the complexities of health insurance premiums under the Affordable Care Act, emphasizing the lack of competition in certain markets and the historical context of employer-sponsored insurance. It critiques the individual mandate and suggests innovative reforms, such as health savings accounts, to enhance consumer choice and access. The discussion further addresses the challenges of repealing Obamacare and the implications of subsidizing individuals directly instead of insurers.