Cheaper Farm Bureau health policies could turn applicants away for pre-existing issues

[rurallib]

2. of course the concept is that those with no health problems will leave the exchange

which will then leave those who have serious health issues as the ones in the exchange, thus driving up the cost of insurance.
My rudimentary understanding of how insurance is priced is an estimate of the payout divided by an estimate of the number of insured.
For example $1,000,000 expectant payout divided by 1,000 participants = $1,000/participant.

if all the expected payout is pushed into one group and the group expecting low payouts is pushed into the other group, the group of expected higher payouts will be paying massive rates while the other group would be paying minimal rates.

Iowa and I believe Indiana are the test cases for these non-insurance insurance plans. They can't be called insurance so in Iowa we call them health benefits.

With Kavanaugh now on SCOTUS expect any legal action on these plans to get a ticket to the SCOTUS in order to put a huge bite into the ACA.