Is there a way to build a lower cost health plan?

If you buy individual health insurance - as opposed to getting insurance through your employer - you may be in a real jam. The individual market without subsidies has suffered the most under the Affordable Care Act (ACA, also known as ObamaCare).

For individuals who make too much money to qualify for federal health insurance subsidies on the individual market, there may not exist perfect and affordable plan. The Centers for Medicare & Medicaid Services, which oversees the insurance marketplaces set up by the Affordable Care Act, is now encouraging states to allow the sale of plans outside of those ACA “exchanges” and do away with the incorporation of a surcharge on plans that insurers started tacking on last year. Whether this will make individual plans purchased outside of the exchanges more affordable and still comprehensive remains to be seen. What is certain though is that the government does not yet have a silver bullet to meet consumers’ (unrealistic?) expectations: comprehensive coverage at low cost. - Sanders DiPiero

NPR Health Shots: Feds Urge States To Encourage Cheaper Health Plans Off Insurance Exchanges | August 14, 2018

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