No, all those ben­e­fits aren’t es­sen­tial for ev­ery­one

Modern Healthcare - - COMMENT -

Re­gard­ing the edi­to­rial “Some ben­e­fits are es­sen­tial” (March 27, p. 40) I re­spect the thought­ful col­umn, how­ever do not agree that all poli­cies must con­tain all of those es­sen­tial ben­e­fits. There are in­di­vid­u­als who are ed­u­cated and rea­son­ably well-funded enough to know whether or not they need pre­scrip­tion cov­er­age, ma­ter­nity, men­tal health or sub­stance-abuse care ser­vices. Pur­chas­ing a plan with­out those ben­e­fits used to keep the pre­mi­ums down. I un­der­stand about pool­ing the risks, but I think the abil­ity to pur­chase a plan that ex­cludes these items for off-ex­change buy­ers should be pos­si­ble with­out penalty.

Nan Mul­hol­lan Malvern, Pa.

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