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Could 'affordability glitch' leave you without health care?

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    Concerns about families paying high premiums at insurance exchanges

  • Duration 4:10
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There are new concerns about affordability -- affordability glitch he said in the president's health care law that could mean that millions of Americans currently covered by.

Workplace insurance through their employer -- lose that coverage.

Doctor -- goes on the fox is medically team and a professor of medicine.

At NYU -- to a medical center he writes about this at foxnews.com.

Doctor good morning of Mario your opening line says the Affordable Care Act.

Is turning out to be anything.

But explain.

Because premiums are rising and they're -- to continue to rise because employers are faced with a rule.

That employees can't pay more than nine point 5% of their income.

So employers are gonna say I can't cover that family I can't cover that.

Your premiums have been to be too high for us to afford.

They're gonna drop people people will go to the state exchanges and at the state exchanges and I don't think people out there realize this they're going to have choices of plans.

Better themselves very comprehend how sell well the Obama administration's calling the -- -- a catastrophic plan I'm not I'm calling it a comprehensive plan let's look at what the bronze plan covers.

Maternity and newborn care mental health and substance abuse services.

Prescription drugs rehabilitation laboratory -- overwhelmed -- services chronic disease management.

Pediatric services including oral envisioned that that's a mouthful that's.

A mouthful and it's a lot of money to cover that stuff and that's why premiums are going to be -- and that's why by the IRS is estimated.

It can cost you 20000 dollars a year to cover a family of five.

Know what's gonna happen -- you may lose your employer plan you go to the state exchange bill you can't afford a planned there.

You can't qualify for a subsidy could you make too much money to -- you're gonna see me well you're gonna have to pay the penalty the tax.

And that's the affordability -- the government's gonna say we'll let you off the hook.

Only about eleven million people are gonna have to pay the penalty eighteen or nineteen million are going to be led off the hook by the IRS the first few years.

Because they can't afford premiums but they're not gonna get the panel and -- back and have insurance backing up its own interest the first -- Heard about the city exchanges offering these different things colored coat systems here -- -- four basic types you get bronze silver gold or platinum.

That's how it works and the platinum is a Cadillac plan that thing covers everything but the kitchen sink.

And we're I'm concerned about and -- wanna tell you what it's really like in the doctor's office bill I have people now.

Who have health savings accounts and have catastrophic plans and they're healthy.

I call them the worried well they only come -- -- when they're really sick because they know they're paying out of pocket they can get a tax deduction.

But the pay out of pocket if I give them a plan and they can use whenever they want.

They're gonna come in anytime they want and that jacks up health care cost I want the high deductibles and the health savings accounts returned to the system.

This bill can be modified we can get that back.

We heard doctor Ben Carson say this the other night we need health savings accounts expanded so that people know what they're buying.

-- if they don't know what they're buying -- gonna get cat skins they don't need a motorized they don't need all kinds -- things they donate using your long you've advocated for it giving it almost like an itemized bill.

Because we have -- -- where the patient would know what the cost eons.

And how would that change the way they look -- care because right now we're we're dealing with a tremendous amount of -- over utilization.

Two patients come in the that they -- -- I wanna pet scan of my entire body so I know I don't have cancer well that may sound great -- the idea.

What that cost thousands of dollars if patients don't pay for it.

They don't care that you're here going all the cost here now -- -- what are we gonna do about -- What happens well I think that if we don't to do with this way we're going to be faced with more and more regulations more and more bureaucracy.

And less choices for either the physician -- the patient.

-- choices mean unhappy doctors and unhappy patients to go to amend this law and get it.

Include more payment -- a puck I have a feeling -- be debating this law for the next several decades you can read more about this it would foxnews.com doctor -- -- pieces -- right there around one thank you operatives -- aren't you.

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