As an insurance agent , this is the best description I have seen - TopicsExpress

As an insurance agent , this is the best description I have seen of Obamacare--Marketing a higher deductible health plan so that premiums appear lower for features the consumer doesnt want, while masking the increased out of pocket exposure for the consumer with tax subsidies (which the consumer ultimately pays for through higher taxes), does not mean the premiums on the exchange are less, Lloyd Lofton, chief operating officer of American Eagle Financial Services Inc, told LifeHealthPro. In a free market, a business designs a product based on market research and what the competition is doing; they price the product to be competitive and let the market decide [if the product is worthy]. Here, the product is mandated, so the manufacturer (the insurance carrier) prices based on mandated benefits, not on what consumers want.

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