但这些覆盖成效如何?这个法案带来的一些低价保单的确包含较多的免赔项目,这让受保人需要自行支付不少的费用。但此类情况还是比没有保险要好得多,也强过法案中列为非法的那些过于基础的保险计划。新参保人员所承受的与健康相关的财务压力急剧降低,而且对自己的医保的满意度也比较高。
What about costs? In 2013 there were dire warnings about a looming “rate shock; instead,premiums came in well below expectations. In 2014 the usual suspects declared that hugepremium increases were looming for 2015; the actual rise was just 2 percent. There wasanother flurry of scare stories about rate hikes earlier this year, but as more information comesin it looks as if premium increases for 2016 will be bigger than for this year but still modest byhistorical standards — which means that premiums remain much lower than expected.
那保险的费用怎么样呢?2013年曾经出现“保费大涨趋势隐现的惊悚言论;结果保费却低于预期。2014年,还是那一撮人又宣称2015年保费会出现大幅增长;结果只增长了2%。今年早些时候,又一轮保费高涨的恐怖预言再度甚嚣尘上。随着更多消息显现,看起来2016年的保费增长似乎会比今年的增幅要大,但参照历史标准依然不算高——也就是说保险费还是会比人们预期的低很多。
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