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Perhaps you're unfamiliar with insurer performance over the last decade. But let's move beyond that. Massachusetts has been running this model for 12 years now and it's got the lowest individual market premiums and most robust insurer competition in the country. Hardly a model "designed to collapse."
The co-ops were defunded and destabilized by the GOP. A pity, since the competition they were injecting into their markets was holding down premium growth in those states that got one before they were defunded.
This isn't foregone revenue, it's payouts to insurers. Double payouts, really, since the payouts are covering spending the insurers have already recouped. Unnecessary spending caused by the GOP's relentless sabotage campaign.
Medical "oil or tire changes" are called primary care, which isn't a major cost driver.
You continue to make my point, Mass is running its own program and this is a state issue and states can run it better than Federal Bureaucrats. Been saying that all along, you convince your state to implement the program and let them do it as all uninsured claims go against the state anyway and most states care about their citizens and do offer other alternatives. Healthcare is a personal responsibility issue and best handled at the state level