Dr. Pepper, I am a small business employer and look over available policies every year with brokers. I totally agree with you – somewhere around ACA all plans became unaffordable and deductibles are such that insurance is rarely used (Baruch Hashem). So, essentially ACA is a combination of a tax and elimination of medical insurance as we knew that except in catastrophic cases. And elimination of doctor’s private businesses that used to be a parnosah for previous generation of Yidden. Right now, people who frequent hospitals report that where there were Jewish doctors, there are now other ethnicities.
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