<p>It is going to get a tiny bit more competitive. </p>
<p>If you listen to what health insurance execs say, they are going to expand their offerings. If you look at NY for example, there are insurance companies that are increasing market share.</p>
<p>Healthnet in Cal is going to try and make the Big 3 a Big 4.</p>
<p>I am under no illusions. It is very difficult to break an oligopoly.</p>
<p>But the health insurance market was a non-competitive oligopolistic market before ACA.</p>
<p>^^ Exactly. Prior to ACA, Anthem knew they had us for life. Now, they have us for 2014. If they don’t behave, we can and will go elsewhere in 2015. That’s the essence of a free market.</p>
<p>It’s not so easy for a brand new insurance company to start up in a market, although the ACA had provisions for a certain kind of co-op (but I believe those co-ops were underfunded or something, don’t quote me on this). </p>
<p>However, it’s not so difficult for an already-established insurer not presently in a market to swoop in. Anthem might have the best networks, the cheapest premiums and the best claims processing in the country, but people are going to remember the billing screw ups when it comes time to re-up next year. And from what I’ve been hearing, Anthem’s service is not a little bit bad. It’s bad, bad, bad on a cosmic scale.</p>
<p>I’m starting to see a lot more CoveredCA ads on TV, which is in line with the feds saying they were going to step up marketing about now. Back in September, I only saw one or two, which I thought was strange, but now I think it makes sense. The people who really wanted insurance already knew about the Oct. 1 start date. Now they are aiming at the people for whom this has been background noise, and who won’t sign up until they hear that the deadline is coming. Every commercial now mentions that “time is running out” or some such.</p>
<p>From your link, dstark:</p>
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<p>So much for the idea that people don’t want insurance, or don’t want to pay for the insurance they signed up for.</p>
<p>Okay, I think it’s time to inject some humor into this thread. Check out this Jon Stewart video regarding the ads both sides are targeting to our youth.</p>
<p>Did these people pay? I know over 80% are subsidized but how many of them made their first payment. Is this stated in any of the links you posted?</p>
<p>BTW, many major news publications are reporting only 12% of the 2 million sign-ups nationwide were not insured. Interesting! Some are predicting we may have less than 1/2 million people who will become newly insured by March 31. Could ACA end up just reshuffling insured people and failing its stated mission of insuring 30 million people who were without insurance. The reason most given by the uninsured for not enrolling is that it was too expensive.</p>
<p>He said preliminary numbers suggest that 75% of the people paid. That doesn’t sound like a foregone conclusion to me. He has lied about the numbers in the past, so let’s see what the real numbers are next month. Even if the 75% is accurate, you still haven’t won.</p>