Today, a 25-year-old male who lives in Portland can purchase an “Oregon KP 2000/20%/HSA/Rx” policy from Kaiser that has 20% copayments, a $2,000 deductible and a $5,000 out-of-pocket maximum. It costs $129 per month. The most comparable exchange plan, a “silver” plan, has 25% copayments, a $1,750 deductible, and a $5,000 out-of-pocket maximum. It costs $229 per month—78% higher.Imagine if an insurance company had asked for a 78% rate increase on its own. Think of the public outcry. But, now it looks to be a part of Oregon's health exchange plan. Remember that the "purpose of the health insurance exchanges is to make health insurance more affordable and easier to purchase for small business and individuals."
None of this means that the exchange plans will provide inferior care or inadequate protection against financial risk. But it does show that the Affordable Care Act’s goal of expanded coverage is going to require much higher premiums, especially for young people, and significant changes in the access and low cost-sharing that Americans have come to expect.
Probably not easier, and certainly not more affordable.
Surprise, young people! The state plan is going to make you pay a lot more for the same healthcare. That's what "expanded coverage" requires. This is voter education 101. You might want to write your two U.S. Senators and your U.S. Representative and think about your 2014 vote.
H/T and thanks to MaxRedline